To Ripple or Not to Ripple?

There is talk out there that Ripple is the golden child of crypto currency. In other words, it is where the big wigs of the financial markets go to when purchasing crypto currency. On the other hand, the magic internet money believers think that Ripple is a sell out when it comes to crypto currency because it is premined and made by banks ...the very institution that our crypto currency founders tried to mine and work against. This is the great debate---what do you all think and know about Ripple?