You are right about Ripple, it is a really big and dangerous shitcoin.I would not dare to touch it because it is dangerous in various aspects. Its marketing is totally misleading and as a centralized shitcoin an honest team is key, which Ripple isn't because it is operated by dishonest fraudsters.
I agree on this, Ripple is very much centralized to the extent where investors should be afraid of their investment, the developers created Ripple and gave it a general token supply of 100 billion tokens, i don't know how people still want to invest into a project that the developers can easily manipulate, things we don't see in Bitcoin with our 21 million supply and decentralized nature is enough outreach for investors to take accumulating process seriously without fear of losing money.