Trust me mate this is not the number one issue and problem that we can have with ripple. A side from them owing a lot of coins the main issue in my mind comes as a result of their blockchain not being decentralized because their blockchain is centralized. Which reflects that we must trust the central authority on their blockchain. Why go for something like this? When you have bitcoin and many others out there where anybody can take part in mining or any other small game they have in order to validate the transactions. I don't know either why people seem to trust ripple much but we see that they do by it's price.