Yes, Ripple is a centralized and in a way banker's coin. But this also makes it a less risky investment. If you are a genuine fan of decentralization, then maybe this coin is not for you. But if like majority of the people, you are in for long term profits, then you should definitely invest in Ripple. The truth is that Ripple is making a great progress in terms of business deals, new partnerships etc. Private and public banks of many countries are testing Ripple blockchain. You don't have to invest all in Ripple, but you can use it to diversify your crypto assets.