If you're comparing like that, XRB and even STEEM is better than xrp. The majority of XRP is owned by a few. Only around 8 billion xrp is circulating and the two biggest holders own more than the rest of the circulating supply.
(By circulating supply I don't mean the circulating supply in cmc, I mean the actual circulating supply that is regularly traded)
Can you tell me the source of the affirmations? Any stupid article on the internet? You should check this information on the official Ripple site. Most coins (55 milliards) are currently placed in the Escrow. They are not owned by some people, but by Ripple. :-) My portfolio also has SBD.
Based on XRP's designated use, what circulating supply do you see as being sufficient to serve its customers?