It's made for the banks to improve the system we currently have. I think it's smart because banks will not go away overnight. It's trying to replace fiat and become a standard over the SWIFT transfer system. Ripple uses its platform to help banks reduce their transfer to 3.4 seconds and a tiny fraction of the cost that other companies and coins charge.

I like it because it's not here to revolutionize the world just fix the one we currently have to make it a little better. Using blockchain technology for verification instantly makes it better than fiat.

Also I don't trade with bias or emotions so it doesn't matter if they're centralized or decentrailized as long as I can make my money off of it. Also if you think bitcoin is decentralized you would be so wrong.