I'm 95% focused on Ripple. 4% focussed on Ethereum and 1% focussed on Bitcoin.
Everything else is a waste of time, effort and money.
Ripple that centralized bank coin? Enjoy your freezable accounts
, I think your focus is very misguided and should probably be switched around.
Ripple technology is inherently distributed. Ripple's leadership has centralised aspects, sure, but why is that inherently a bad thing?
Look at Russia, the EU and the Ukraine. Russia has centralised leadership and can easily outflank EU ministers who need to phone around to get a time that they can all meet (about a week or two later) and make a decision by committee (which more often than not is not the optimal decision). Meanwhile, Putin has his fighter jets in the air and laughs after his breakfast workout.
Do you have any examples of decentralized human decision networks from today or the past that were greatly successful and/or still survive?
Keep pumping your time, effort and money into Bitcoin so. Bitcoin is old technology, boring and no longer innovative. The Bitcoin community has become nasty, bitter and not very pleasant.
Ripple is compatible with the nation state model, yes. Nations control and regulate their currency (and defend their borders, keep law and order, a judiciary, provide infrastructure, public education, public healthcare, etc.) That means paying your taxes, obeying laws and adhering to regulations.
If you don't want that, feel free to conquer your own territory and have Bitcoin as your currency. Nothing stopping you from doing that. But be warned - there is no such thing as distributed governance. You are into crazy experimentation there. In Lord of the Flies, a few dozen boys end up on a desert island - it's not long before power structure emerge. Bitcoin does not rewire human nature no matter how much faith you put in it.
If you want to freeze someone's Bitcoin, you simply kidnap him and put a gun to his head. $500 to hire a squad of bodybuilders. So your "freezable accounts" comment really is incidental in the grand scheme of things.