Centralized coin with strict control by the team could not be great in the world, where people need crypto to overcome issues related with centralized solutions.
Yes, I agree with you. That's why I don't believe much in XRP although it's really a good coin and stay at 3nd position. Instead of investing in XRP, I will choose other altcoins such ETH, NEO, EOS, ADA
Completely agree with you. In my opinion the Ripple is supported and raised up by the bankers and big wales, but I think that this coin has too many minuses - and the biggest minus is its endless emission. And there were several legal actions in the history of this coin - it do not make the good reputation to this coin as well.