I'd like to say, that I too see what you see in Ripple and have refrained for investing in it. I mean the POINT of getting into crypto-currency was being OUTSIDE of the centralized banking system. Just letting you know that you are not alone.
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I recently looked into the Ripple white paper and was horrified by what I saw. It's a digital panopticon in the making.
Yes, I have to admit that I have to take the time to read the white papers of ICOs and alt-currencies. Unfortunately, a lot of us have been lazy on this very essential step in our research.