Agree on most. Except ripple.
Even it may grow for a while, on a very very long long run - they are doomed. At least in my eyes.
60% of ripples in the hands of banksters? No way to me !
I would not touch ripple even with a 20 ft pole
And yes, I would easily replace ripple by BITSHARES
with you mate.......just wishing them the best of growths