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Yes, its centralized. But, lets take a step back for a second from thinking we are actually going to use the XRP coin. Banks are. People in transactions with Banks are. Banks will only used centralized currency, right? They have to. its their only option at this point. Ripple offers that to them. So why not make money off the fact that Banks have to use a centralized coin?

EXACTLYYYYYYYYYYYYYYYYYYY !!!!!!!!!!!!!!!!!! Trust me I am a fiscal conservative that believes in small government , healthy economy , and as little control and knowledge of what citizens are doing with there lives and ESPECIALLY their money . So if I can make some money off of the same systems that have been making money money off our parents , parents , parents , for generations I am all for it . Why wouldn't you be ?
You got my follow , looking forward to future content , STEEM ONNNNN