So, I only recently joined and, what do you know xD, the situation regarding Ripple/XRP (although other things too) is same as other places.
Meaning, so many generic posts, based on nothing but personal oppinion, that is yet again based on....what a surprise....nothing xD
I finally found a good place with several debunked statements like "It's not a real cryptocurrency", "Ripple can flood the market", "Ripple can create more coins", or "Ripple can freeze coins", etc.
https://fudbingo.com/It's a rather short read for each of the false statements and if you're serious about researching, not just FUDing or shilling, you will want to read it.
Being for or against a coin without really knowing much about it is....silly, to put it very mildly.
(If I did that, I would call myself an idiot, but that's just me xD)
This is a nice, recent, article which shows lots of stuff that happened during Q4 2018 (this is a bit longer read), which can give you a clue of some of the progress.
https://xrpcommunity.blog/q4-2018-xrp-adoption-report-actions-speak-louder-than-words/Ofc, the whole site is a nice read, though I will admit I still have a LOT to read xD
If this topic remains (I can't see why it would be removed) and you still talk utter nonsense, just remember: You are.....silly
(No, I'm not affiliated with them and yes, I'm hodling a minor amount of XRP for almost 2 years)