Lots of people dont like ripple because of centralization . Well if you think of it in all crypto . What is a whale it? Is centralization plain and simple . No matter what anyone thinks these guys with big money want to keep the big money. And they recently have been toying with the market. I like ripple because it is working with banks . And the odds of it failing are pretty slim. It has to much going for it . I do like steller also .