A few Reasons Ripple ISN't Bitcoin. Open to your counter arguments,
Ripple Network Effect - Small & Weak , No one has Ripple wallets.
Decentralisation - None. Large ownership of coins are with the founders.
Censorship Resistance- Low to None . Government or Banks (as Proxy for Government are able to censor, stop, amend supply or do anything they wish to Ripple. It cannot be an independent store of value.
Replication: How is ripple not simply replicated/ duplicated by the banks or government agency working with the banks?
More to come on this, just curious on your responses to points 1-4
All 4 of your points are spot-on. We were simply commenting on how the dolty buyers of crypto would view Ripple and Stellar.
Longer term, Ripple and Stellar shouldn't go up at all, BECAUSE of the centralization involved. Crypto is ALL about anonymity in the end, the "dark side of the force" coins will win the day, long after most of this stuff has been outlawed.