Ripple very expensive not in these days we will see a correction to the support zone. I think price still growing because of incapable people who don't understand the technology and blockchain network. Ripple is centralized and if you trust centralization why don't you believe bitfinex binance or other services. Their centrelization not a secret 
Not everything needs to be decentralized. Ripple is super cheap, and the transactions are SUPER FAST, like literally, seconds.
I understand it is centralized, but they have been in the map since 2013, so for me ripple is really trustable.