The basic thing we should all know about, is that it's hard to call a centralized coin a "cryptocurrency". Unfortunately, but centralization conflicts with the foundaments of the cryptocurrency philosophy. Another thing is that a centralized coin can be created in infinite quantities, so there is a risk of being reprinted like normal money at any time. In my opinion, no serious investor should invest in such a thing.
It is obvious that most people are not really listening to your advice since ripple is the third coin in terms of market cap and most likely this is going to continue to be the case for a very long time, I do not like that aspect of ripple either but you need to think about ways to obtain profits and if ripple gives you the chance of making profits then you need to take it and as soon as that ends you should sell it and get a cryptocurrency that follows more closely the philosophy of this market.