You are not supposed to hold more than a few cents worth of XRPs. They are merely stamps used to pay for each transaction in the hawala network. The hawala network is distributed. That is even better than decentralized networks. People using Ripple doesn’t care about XRPs. It is not the point of the system.
It is centralized and has a single point of failure. And it will dump to zero if the company wallets get hacked.
You are not supposed to hold more than a few cents worth of XRPs. They are merely stamps used to pay for each transaction in the hawala network. The hawala network is distributed. That is even better than decentralized networks. People using Ripple doesn’t care about XRPs. It is not the point of the system.
https://www.coindesk.com/ripple-medieval-banking-digital-twist