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.
Ripple has been around for some time now and I wonder why many people still don't understand that those who are supporting and investing in this cryptocurrency have been milked by the Ripple dev. As far as I know, the developer is cashing out millions of dollars monthly although the developer calmed investors by stating that the 55B pre-mined XRP are escrowed and will be released gradually for operations and the unspent XRP will goe back to escrow to be released in the future but looking at how the XRP economics was designed, it was to feed the people behind the project. And what has XRP done to the investors so far aside from the market trade profit?