XRP is not decentralized and looks like pump&dump coins. ETH is really decentralized because POW and has good developers headed by Vitalik Buterin. I beleive Ethereum is cheap now because they are solving scalability problems and unlimited supply in Etherium 2.0.
Banks don't need XRP coin so price is manipulated but banks will use Ripple, Ripple don't need XRP so it's price is overvalued.