I think whether it is decentralized or not does not play a key role in its success in real business world. Being centralized may be better for company.
Oh of course, yes, it is very good for the company. You are right.
It is always good to have monopoly power. Hey here are a few examples of monopolies:
Paypal
Visa
Federal Reserve
North Korean government
Chinese government
Stalin
Ripple
Stellar.org
Each of these monopolies have something in common: great for the owners, shitty for the users/customers.
Trouble is, you own nothing if you buy this shit. Owning XRP or XLM does not mean you own a part of these companies. They are no securities, no stocks or bonds, not even a preferred share without voting rights.
You do not own a part of the company. In fact, they own you.
Creating tokens from thin air made the owners filthy rich, and they have full control over your funds.
https://www.ccn.com/ripple-market-cap-surpasses-100-billion-as-xrp-hedge-fund-goes-live/
Ripple co-founder and former CEO Chris Larsen holds 5.19 billion XRP as well as a 17 percent stake in the company, according to a recent Forbes report. Given that Ripple is currently holding 55 billion XRP in escrow, Larsen is now worth at least $39.8 billion and thats not accounting for the value of the company itself apart from its XRP holdings.
They own a real stake in the company, you own pre-mined tokens that were created from thin air. Good luck.
