Ripple is a centralized and in a way banker coins. but this also makes it a less risky investment. if you are genuine fan of decentralization than maybe this coin is not for you. but if like majority of the people ,you are in for long term profit, than you should definitely invest in ripple .
Recently I've read Vitalik Buterin's article, in which he says that centralized exchanges must "burn in hell". So, Ripple is a fully centralized coin, and out community must give up on purchasing and using it cause it undermines our new economics! I completely agree that centralized institutions have no place in this market!