True, security-wise, I also believe that Bitcoin leads by a mile. Although as a mode of payment, I would still use XRP for micro transactions. I am not putting large amounts of money in my wallet anyway.
Indeed, i do not want even 1 penny to put there, not because is not safe or afraid to lose money, but because i do not support such a "technology". Most of us here on this forum know how easy is to modify some parameters into bitcoin core and create our own currency at any time. We can remove all the tx fee from core and "voila" we have a coin w/o tx fee that is filtered/pre-mined on a single server or put 2-3 more in different locations and sync them.
If some have power to manipulate masses by agressive marketing like ripple to make people to trust in them, then i won't call it scam or fraud, untill they scam people, like bitconnRect company did. At least ripple doesn't use pyramid scheme to attract more customers, they rise funds into market capital of company to divert attention to the masses. In the end those market caps are their money safe in their accounts, masses of people send their money in ripple's accounts
. If they collapse and people lose money on their network, then including their investors like moneygraam should be sent to the court. When they become more transparent on how they secure network and we see any potential vulnerabilities on their network, i cannot trust them.