Love your  plan to write about this stuff consistently. Unsurprisingly, I was contemplating something like this what seems like the same time you were writing your first one.  Great thoughts too.  Agree with your thoughts on valuation, but I think we must be cognizant of the power of the mob.  While XRP may not be the best use of technology, it is probably the best way for the mob to get comfortable with the technology.  There will always be 'purists' out there, but I think we would be remiss if we discounted a product because it is inferior technologically, but superior in its ability to persuade the masses to use blockchain.  Who knows, maybe XRP will eventually be a type of "my first crypto" experience for those folks that truly don't agree with the decentralized market most of those in crypto are so enthralled with. Its always fun to watch.  Look forward to more thoughts.