I dont understand why so much negativity around XRP?
Centralized? So what? People keep investing in crypto to have some profit, so does it matters whether it comes from BTC/ETH/NEO/ADA/any_other_coin or from XRP? Speculate, buy it, sell it, take your PnL.

I do believe in Ripple future maybe more than in any other crypto project, not even in terms of XRP price, but its overall value for global financial system.