Hi Graceza.
I already addressed your argument from my other post. Could you address why that response didn't satisfy?

Basically, the fact that the IOU is not literally transferred down the Web of Trust doesn't address the flaw in ripple in which the risk of IOU cannot be adequately judged by the lender.

By "lender" I mean the asset holder, the last person in the chain of trust.

This is the relevant post;

@Coinseeker
Every single one of your sentences contains either inaccuracies or hypocrisy.