i put in $20 into ripple because i heard it was gonna be a replacement in the banking sector for SWIFT which has been used for lots of hacking recently because someone got some of the core code (pakistan i think) and so that's seen as an insecure network now, the banking sector need a replacement and RIPPLE is that. personally i hear what you are saying about it but even with my 100 ripple i'll take a profit on it regardless and put it back into my spread portfolio of cryptos - top up my ether or dash with the outcome ;)