@OP What's the point of comparing Bitcoin to centralized shitcoins such as Ripple? Bitcoins is in its own category and shoulnd't even be even emntioned together with Ripple.
Sincerely I usually found such comparison pointless as I don't think any coin should be equated or compared with Bitcoin knowing too well that they aren't the same neither where they created same day.All altcoins are centralized even the ones that claim they are decentralized like Ethereum.
What about Monero? Of course monero and dash coin, Zcash aren't centralized coin, hence they are decentralized or privacy coins.