Any newbies understand how consensus works on Ripple.com?
The answer contains just 3 words:
Ripple. Is. Centralized.
I don't think that the word "centralized" means what you think it means.
Fiat centralized. Paypal centralized. Ripple centralized. Do I get the word "centralized" correctly enough?
No - try harder. The facts are that Ripple is a distributed payment network. With that established, what,
specifically, about it is centralized in your opinion?