The 1-O-1 of crypto is:

• Person to Person interaction
• Decentralization
• Blockchain technology
• Financial Freedom

Person to Person
Peer - Peer dealings without the unnecessary dangerous money garbing middleman.

Decentralization:
One company sells all xrp and

3/4 of all XRP held by 4 Entities
Ripple Inc holds 61.3 billion XRP,
Chris Larsen holds 6.7 billion XRP as well as a 17% stake in the company (17% = 10.4 B XRP, total personal 17.1 Billion XRP)
CEO Brad Garlinghouse, who owns a 6.3% stake (3.8 Billion XRP) in the company and owns additional XRP tokens
Jeb McCaleb  has 5.3 billion XRP (used to be 9 Billion XRP)
Chris' foundation has has 7 Billion
Arthur 3 Billion
David Schwartz, Dev was gifted 1 Billion XRP Tokens for being incompetent and loose part of the Database (Ledger 0 - 32569, its worthy a Billion bonus)
How many Billions Karl-Theodor Maria Nikolaus Johann Jacob Philipp Franz Buhl-Freiherr von und zu Guttenberg has is unknown.

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What it really is
Fraud, Scam, Sham, Shenanigans, Horseplay, Monkey business, Trickery.....