That's exactly what I was speaking about, but we can't say that ripple is much better than attackable coins. The whole reason of crypto revolves around decentralization, if we can't achieve true decentralization, then it'll be a win of banks.
Banks already won...everything else is just an illusion
Already won? LOL. They're starting to lose - it was easier to tamper bitcoin blockchain in 2009-2016 than right now, so they're surely losing, but slowly!