Hey Koen mate, very nice piece you got here! I have been anti XRP since I got into crypto (simply because I lost the second most amount with them trying to trade because I didnt know anything about anything and bought into the FOMO of the time) I have since learned from that but have always had that sour taste you know? From that I never really took the chance to observe Ripple and research it anymore (again a silly mistake, shouldn't dismiss something from a self acted error) Also partly because the whole banking and crypto is a little alarming... What do you say to people when they start saying banks are trying to centralize things and what not? I mean that adds to why I've strayed from them as well.
However I have made a nice little gain from looking at their charts the last few days so I'm not bashing XRP by any means, just more curious to learn more. Its obvious you've taken some time to research this more :)
Cheers mate!
ps I got here from this article with a huge thanks to @minnowhelp!!