that's security with hyperinflation and big pre-mined coin that has already owned by the ripple company. the real problem of ripple is the ripple coin is not having any utility usage or i can say if that was a useless token without any usefulness and even it's not offering the feature that must be offered by security coin just like dividend or something like that and ripple is even worst the security coin.
the supply has already had its hardcap but too many coins and this coin totally useless and i can't even find such usage from the ripple.