This is why so many people here are against Ripple. There are better coins that are decentralized and get the job done better.
Decentralized it's not about ripple. Do you read their whitepaper? That coin designed for the corporate environment with main center.
That's why ripple can be considered as centralized thing right now. The developer of ripple is only interested to take the advantage for their own company. They don't even care about what will be happening in the future. They are only interesting to earn more and more money rather than thinking the environtment of the crypto after strict regulation.