Ripple is centralized and not a crypto currency. Not going to type out an essay explaining the technical reasons why ripple is centralized, and most people on this forum probably know anyway and there’s tones of info and articles all over the net for those who want to know, here’s one https://blog.bitmex.com/the-ripple-story/

Question: So what will happen to the cryptocurrency market if Ripple becomes the biggest, most dominant and widely distributed and used network/cryptocurrency?
Answer: We will lose control of the market and our one chance at a decentralized currency.

Question: Money is controlled by people, so do you think those people are going to give up that control?
Answer: No.

Question: So, if a new form of money outside of their control is invented which is a threat to them what are those people going to do?
Answer: Try to control it.

Question: How?
Answer: I think they must invent another “cryptocurrency” to control the market.

Question: What types of characteristics should this cryptocurrency exhibit?
Answer: Centralized. Controlled. Heavily funded. Backed with the support of big banks etc.

Question: What will happen if the attitude of people are like “I don’t give a fuck man, as long as it keeps going up, lambo time”
Answer: You will have contributed directly to all future generations including your own children of not having freedom.

Question: So if you don’t believe Ripple is the Trojan Horse then you have to believe either:

A: The people who control money don’t want to control it anymore.
B: Another cryptocurrency is a Trojan Horse.

Question: There MUST be a cryptocurrency being used for control, so what cryptocurrency do you then suspect of being a Trojan Horse?