Ripple has received recognition from many financial giants. Although I don't like over-centralized cryptocurrencies, it violates the original intention of decentralization, but in terms of investment, centralization may be more promising, allowing you to earn more money.
I strongly disagree with you. The recognition you are talking about means nothing, because no financial giants are using XRP.
I don't understand how centralisation can help us make more money. Do you prefer to hold a coin knowing that the price can be manipulated ?