I'm not sure what to think. I've seen advantages and disadvantages pertaining to Ripple's value but want to be sure this is passed along to XRP token value. I've seen Ripple referred to as both a public and private blockchain so i'm unsure whether it has both centralized and decentralized options. I think Joel Katz appears to be a very standup guy, and has been more than forthcoming about the history that's unfolded although there seems to be a lot of confusion going on and misperceptions with all the ventures Ripple has on the go with the banks signing up and the history that's unfolded. Olyup brings up some interesting information and myself trying to ascertain fact from fiction.  I think there are some advantages/disadvantages to both decentralized and centralized currencies and i do think Ripple has a place in crypto. It may not be favoured by the 'types' that want 'decentralized' cryptos that don't work with big banks/big gov.t. but wouldn't pass on an investment opportunity just because of this.