@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.
All altcoins are centralized even the ones that claim they are decentralized like Ethereum.
What about Monero? XRP is being propped up right now by the global financial system, isn't it set to replace SWIFT system? As much of a shotcoin it is we may get stuck having to use it or by default for credit cards or something like this, but who knows lol