Banking is not a bad thing. Banking using Ripple is a good thing. Central banking is bad yes. But actual banking is a good idea. There is no reason to be against all banks as all people cannot store all their money for themselves or do not want to. Ripple is a good coin and has withstood so much hate. It is a coin with actual use. It is able to deal with hackers as well (being centralised) which people will want. I think it is a good hodl with the likes of silver to back it. They sorta play opposites but can work the same. Ripple is the best risk out there at the moment.