XRP its a centralized cryptocurrency with a unlimited supply, their ecosystem controled by bank. Imagine that with an unlimited supply, and only the company can mining/created the XRP. Better to use ETH.
In this regard, I fully agree with you, since the very idea of using cryptocurrencies is decentralization and the lack of control of users of cryptocurrencies. The banking system has a completely different direction. Of course, I understand the concern of many cryptocurrency users regarding ethereum, but I hope that the update of Constantinople dispel all doubts about ethereum.
It seems to me that centralization will balance and control the price level for this asset, it can be as reliable as the US dollar.