The fact that ripple is centralized doesn't mean that the price will be very high.We all know how many ripples are exist,therefore it is the most unpredictable coin,because the price depends on their developers...So I don't agree with you and I don't understand why people are talking about this coin so boldly...As I said It depends on their developers,If they want to sell them(I'm talking about billions of ripple) it will have a drastic effect on the ripples’s value,therefore there will be too many loser people.In another case,Of course Ripple has a very good developers team and they are also working for banks and trying to make their transactions more effective and faster,But why do you think that this case is connected to the market price?