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 ...
A lot of persons out there are still yet to come to a reality about it. People that still believe in the promises of it creators and invest in these shitcoins are persons that have not experienced the dangers neither understands who the actual benefactors of shitcoins pump are, which is what makes them not to take any warning against it as anything serious. It's only the holders of shitcoins that bears the brunt of these tokens market dump.
The only use case tokens have is for the creator of them to make money out of thin air. Otherwise they are all completely useless. That is irrelevant in the shitcoin market where profit is made out of pump and dumps though.