This. Ripple like fiat is a scam. People might fail to comprehend this though (they do with fiat) ...
Why people should care if XRP is "premined" ? Why everything should follow Bitcoin step by step ?
Mining is the way Bitcoin distribute coins, Ripple chose a different distribution scheme. It's not a scam, it's only a difference. Everything that is different than Bitcoin's blueprint is not a scam.
People only care what is the most useful. If Ripple is most useful than Bitcoin people will use it and won't give a fuck about those bullshit premined concerns.
Actually a company having the power to exclusively pre-mine a currency and then "lend it" to people is a indeed a big problem, it solves NOTHING and only creates another debt-based economy and only benefits the very few who own ripple.
Ripple just fuels to cycle of crony capitalism (which is why banks are loving it). Bitcoin on the other hand creates real free markets where you actually own your money/savings and every individual has a chance to prosper, depending on how much risk and work each individual decides to take.