Why did you say that to frag there but one of your tags is upvoteforupvote? I'm personally on the fence about Ripple. The semi centralization makes it hard for me to trust it. And I get large banks are looking into it but nothing has come of it so far. My biggest thing also is not everything in Ripple is all that unique to it. Many new currencies over low transaction fees and a high number of transactions. Even Etheruem which you mention is scalable unlike bitcoin. It's doubtful that there will be a problem with transaction times within the Etheruem network. Don't get me wrong Ripple has good potential. But it also faces tough competition from competitors such as Zcash which appears to have better security/anonymity features. I went ahead and purchased some which I'll be holding. But to me Ripple is more 50-50 that maybe it'll take off and maybe it wont. Going to wait and see.
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