When I read up about Ripple, and how it is all sold or handed out by one "for profit" I instantly lost interest, I'd rather invest in fiat or a precious metal. Also the current market cap is not real because only a small % has been released into circulation.
What's wrong with profit? The concept is awesome, although the UI currently needs a lot of work. Certainly you wouldn't put all that work into it and expect to live off of warm fuzzies