What a decentralization that has provided by ripple, Is that just another centralized altcoin that owned by the banker? Because the banker doesn't like the decentralization and that will neve happen in the future.
Is there a proof about that?
Decentralization is but one element in an overall mix of elements that make a crypto-currency network censor-proof.
e.g.: Did you know that governments can easily detect a bitcoin transaction being communicated through its nation's routers? Bitcoin transactions are transmitted un-encrypted. XRP transactions are not - they are always encrypted, and would just sound like background noise.