Ripple is not a scam. Ripple is a serious legit company.

You are trying to discuss their currency, XRP. They are both essentially two different things. I've written a few posts about Ripple. With this being the last one: https://steemit.com/blockchain/@valderrama/with-all-these-deals-and-real-life-use-cases-why-doesn-t-ripple-s-xrp-price-rise

Perhaps you'll find it a good read.