Well I read a good theory once that Ripple, Stellar, etc. was designed and built to exchange via ICO BTC for something of less worth, allowing the banks to hoard BTC. I don't think a blockchain should be centralized, but I do believe that the current money transfer system is broken. Unfortunately both BTC and ETH are a little expensive on transactions and too slow.
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Cool I suggest edit your article. You can update an article after publishing it if you click edit. In your article you said:"Now I personally think a blockchain should be more centralised, but value ..." :)
Just saying. I think ethereum will get faster when they implement sharding, I also think bitcoin transaction fees are allot less now and with lighting payments things will get better in terms of transaction speed.
Hahaha only saw that now. Edited thanks!