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RE: Centralized vs Decentralized coins.. Why should a simple investor care about it?

"Unlike" stocks? So you propose that if e.g all Apple holders wanted to liquify their stocks there are 750 billion in the market to buy them? I think you remember well what happened when everyone wanted to sell their stocks in your country (2 times). Anyway that was not my point. The comment was specifically about XRP. When XRP was worth of 3.7 dollars the Ripple company had estimated value of 222 bln. Things that don't make sense don't last.

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2nd note about XRP again but not decentralization. What Ripple sells is its software that aims to replace the current SWIFT-BIC protocol. XRP is not needed to trasfer value. Banks do not need XRP to use the ripple software and the only reason for the rise in price is that most people don't understand this. Don't get me wrong. If you made decent profit investing at XRP good for you. Hearing to other crypto traders success stories cheers me up as a trader too. But as a long time trader you must have heard the famous Warren Buffet quote:"Only when the tide goes out do you discover who's been swimming naked. "

Of course, banks don’t need to hold xrp. They use it for 3-4 seconds as a bridge currency to transfer from e.g usd to jpy etc. XRP is on demand liquidity that will be provided by market makers and exchanges who will sell it and buy back in seconds, gaining some spread. This is what will drive demand up, not banks purchasing xrp.

I think western union knows something more than us mortals...