The problem with centralized is it DOES give governments and avenue to control, manipulate, and restrict it.
They would love to kill Bitcoin. They can't. That is due to the decentralization.
So is XRP a crypto currency? Yes. DO I think it will make money? Yes. That's why I bought some.
Yet it also could easily be an avenue of control. I mean the banks. They are not good people. They've been manipulating and screwing us over pretty good since before 1913, but after 1913 they went totally nuts.
Decentralization and taking it out of their hands is returning that control to the people.
XRP is kind of the opposite of that. I think it will do good, but I ultimately do not see it replacing bitcoin as it is centralized and putting the power back into the hands of the banks.
Once they have enough of that power they are known for price fixing, and manipulation.
That'll take some time. For now I see XRP as a decent investment. Yet like I said I'm not really a crypto trader. I am mostly a steemit/steem user who decided not to keep all my eggs in the steem basket.
Though my eggs were built 100% with working on steemit. :)
Man you kick butt. You've been very cool to me with the upvotes. I agree about xrp, hopefully banks on their way out. Until then we all know how greedy they are, and xrp saves them money and time. Off to bed, thanks again