When the hype train ends and the price stops climbing which it seems to be stagnate now, it will signal time for many to sell off finally, XRP will drop to 20-30 cents
Ripple will be more decentralized than BTC/ETH.. For XRP there will be much more regulated companies to validate transactions with strict rules. While BTC/ETH are centralized in the hands of a couple mining groups who can shut it down if they want. Also government will sooner or later do something as these ransomware, kidnappings and ask for payment in BTC etc. continue. Ripple XRP is regulated so the government cannot do anything. Also these validating companies have no reason to hurt the coin. They have people who can be our brothers, sisters, mothers and fathers working there. Don't make a little centralization to be a bad thing. Even in centralized companies it is us who work there not some people from a different planet. Ripple has done the lock-up and will only release how much is in the best interest of the coin if otherwise they can be sued unlike these other coins. Imagine a fully decentralized America where anything goes? A little centralization is important but the people have the power over the centralization and can replace it is democracy. That is what Ripple XRP is striving towards.
You do not even understand what decentralized means.
You know what group is not part of the government but manipulates the dollar? The federal reserve. You are just bending right over to the fed 2.0 right now because you think you can make a quick buck by holding some of their manipulated coin they can readily play around with. The same way you are willing to back something with a huge potential to be corrupt for a quick buck is the same way the people controlling Ripple will sell their souls and morals for a quick buck
