Although I will say this much - good luck trying to explain the "trust" concepts to the ordinary user. Its difficult enough trying to explain Bitcoin to people.
Actually, trust is very simple, everyone has to deal with it when using a bank or a Bitcoin exchange. What's revolutionary in Ripple is that it makes the trust explicit, by separating riskless exchange of IOUs from risk bearing issuing and redemption of those IOUs for fiat currency, and handing end users control over how much risk they are willing to accept. It's enormously empowering.