So, I'm kind of new to the crypto world, which I wish wasn't the case of course. But, from what I understand about ripple no-one can mine, which means that the guys who created the algorithm are also making ripple and selling it. Not only that but they sell it to the banks first at a discounted price!!! I mean, coinmarketcap shows that there is over 60 billion ripples being help by RipleLab, how is that going to be distributed? Is it going to be bank who profit again before inflation happens? This in principle is very similar to the way fiat currency works and defies the purpose of cryptocurrency. Im going to research ripple more but so far I'm very skeptical!