Oops... I already see a small problem here and I'm not referring to the silly use of the letter "u" as a substitute for the pronoun "you".
Heh, this statement shows I shouldn't waste my time on u.
Oh come on... you can't even handle a bit of levity? Or are you just trying to avoid explaining what you mean by "centralized" and what, specifically, is centralized about Ripple in your opinion?