Most people like XRP. XRP is a potential coin but does not understand why the price of XRP is so much. I hope XRP will increase sharply at the end of the year
XRP is centralized and as far as I know there's also tons of supply that is not yet circulating, which means that could push the price down once it is released.
Binance hack taught me how to treat centralized cryptocurrencies. If hackers withdrew the stolen crypto in XRP, then CZ can easily recover the lost amount with one call to someone from Ripple team. Hackers used the Bitcoin blockchain for this reason.
Don't forget that immutability and the prevention of roll backs are not a bug, they are a feature. Yes, hackers are an issue, but they've always been an issue whether it comes to data or to digital money.
That's right, the rule of immutability of information in the blockchain will be violated. And since Ripple is used by payment systems and some banks to it can instantly lose interest from major players (banks, funds). It will not be the situation with ETH and theDAO, and much more serious.
It is essentially the same risk as using a bank. Centralized systems just come with that counterparty risk and it does exist as the financial crisis has demonstrated all over the world.