Why people hated the ripple "XRP" some says it was not decentralized but the truth is if you compare XRP price to the other cryptocurrency in the market that almost the same supply it was clear as sunshine that XRP still more stable compare to ADA, Stellar and othe huge supply coins thats why IMHO i dont care if XRP is not decentralized all i care is to trade with a promising volume and competitive price no doubt XRP is one of them.
As practice shows, there is nothing better than investing in Bitcoin. All coins, even Ripple directly depend on Bitcoin.