Just as the title says. XRP/Ripple is often a topic of controversy among certain circles of this community so I'd like to see the claims that go along with this controversy to be expanded upon and substantiated.

Please present an actual argument and preferably explain why you believe your cryptocurrency(s)/project(s) of choice doesn't/don't face the issues you discuss.

P.S. I don't hold any XRP so I'm in no way a shill or a member of any tribe in this. Also buzz words, regurgitated talking points and "shitcoin /s" isn't really what I'm looking for.

Cheers.