It's pretty obvious that ripple is backed by a lot of banks so the purpose of crypto is to be decentralized as possible. they could easily manipulate the market if it's really centralized, so it's up to you and your knowledge if you could really trust Ripple.
The fact is that in the near future we will not be able to see the fully decentralized financial system of the world, especially with the help of crypto currency. many developers of projects have seen that this is the secret of success, if you combine the crypto currency with the banking system. It is ripple today that will help to realize this idea.