Ripple is a very promising coin, it is used in the real economy. But the popularity of this altcoin will never exceed bitcoin. In addition, the ripple is a centralized coin, this is a serious drawback.
Behind the serious losses can generate serious profits.
OK, we can say Ripple Coins are centralized and very dangerous in the event of hacking.
But if you have your Ripple and Ripple hacked then you can complain to the office [ask Ripple to return your money (because the coin Ripple is centralized so you can take responsibility)