Yes, I agree with you. As a beginner who has not had much experience and still does not have much capital. I think investing in a ripple is a solution. I see growth in the ripple now continues to grow well, the community also continues to grow not only from the banks only. So I do not think that ripple is a scam coin.
You are right, Ripple, as a company, is not a scam. But why do you think XRP has value? The system doesn't need XPR token to function. Ripple use strong marketing to prolong the existence of XRP and periodically sell its coins. I think you can buy XRP for short-term investment but not for long-term.