Sure, meanwhile, I've never been scammed selling BTC for PayPal, but would never recommend people learn this for themselves by trying.

I agree Ripple is technologically marvelous and works when everyone's honest and making good on their agreements to pay and nobody's saying they're getting hacked.  It's just that I expect it to fail spectacularly when any of these change, because none of these common real-life scenarios seem to be considered anywhere in the design.  Ripple's core flaw isn't a technological one, it's a societal/legal one.