Yes, I don’t pay attention to centralized shitcoins. If any problems occur in the business organization that runs it, the bubble will burst. Who will store money here for a long time?
Exactly. Would you imagine Ripple (the company) selling all of its XRP holdings (currently the largest holder of all XRP in circulation)? Or Ripple going bankrupt in the future? It will mark the end of XRP as we know it. Why? Because it's centralized. Not like Bitcoin, Litecoin, and the others which aren't tied to a corporation or individual. These are community-oriented projects, widely-supported by people worldwide.
As far as the XRP Ledger goes, nodes/validators are mostly under the control of Ripple, Inc. They should make the network more open to anyone if they want XRP to become truly-decentralized. Ripple should also leave its holdings in the hands of the community to avoid any ties with the project. If it does that, XRP will be sailing on smooth waters. For now, Stellar/Lumens (XLM) remains a better XRP alternative because of its decentralized design. It's just that people haven't realized its true benefits yet. The time will come when XLM will rise to the moon. Who knows what will happen in the future?