You don't mind ripple being centralized and private? It's completely opposite to the crypto principles and many people in the cryptocommunity are throwing stones at xrp, as you surely know. They say it's a clever plan by the banks to take possession of valuable btc and eth, while leaving us with xrp they can easily manipulate and eventually crash. I know xrp is a tempting chance for profit, but maybe it's a test for all us to see if greed will overcome reason and principles.