And why should a ripple coin be considered shit? Just because it primarily serves the banking system and is centralized? In any case, I think that this coin deserves respect, since it performs very useful functions in the same banking structure, and therefore is useful for people. We should not oppose cryptocurrency and banks, in the end they will be forced to work together. I also read that the ripple is also quite successfully used in some countries as a means of payment for the purchase of goods and the provision of services.