XRP is one of the coins most people don't like because of its centralized nature but the funny thing is, the coin is still waxing strong as the team don't fail to look for partners so as to expand their services; I think this is what makes a platform a good one. Am not a xrp holder though for now but won't fail to comment; owing to the supply of XRP I think it will be having issues with price but looking at what the team is aiming to achieve makes it good for holding which am considering already. What matters in the life of any coin is what the team is working on and which is why most coins are still standing while others are no where to be found..
I understand your opinion but currently investors are only interested in profits when investing in this coin. In fact, Ripple is an investment that makes many investors more frustrated because for the past two years the coin has not been able to rise steadily and is likely to drop to $0.1 if the market collapses.
I have no interest in mentioning this coin and will continue to wait for what will happen next because the supply of this coin is huge.