Yes, its a big issue, people are not doing enough research before investing in a coin or token. Doing our own research is essential to get it right and to avoid centralized Shitcoins, were the developers can make everything they want. Bitcoin has a strong Code and decent Developers, so it's our best bet to invest in Bitcoin.

Stuff that's centralized will blow up one way or another, or be put in such a situation that everybody will be reminded of its status.
Let's hope so you are right because Ripple looks very strong for now. In its current form, Ripple is a big danger for Ethereum because a flip in marketcap can happen and all Rippletards would celebrate it as an success, which a flippening would certainly be. Our best bet is for Ripple to go down over time because no one is interested in it but unfortunately, Ripple has deep pockets for marketing and different misleading coups.