Why Do People Say Ripple Is A Scam?

Could someone explain this?

From what I understand, Ripple is centralized by the banking industry. To say that makes it a scam is not correct; in addition, because it's run in the banking industry, isn't it subject to audits? I get that many of us don't like centralized things, but that doesn't make them automatically a scam.

I'd like to know:

• What evidence do people have that Ripple is a scam?
• What's wrong with the banking system coming up with their own solution? If we don't like it, we don't have to use it.
• Since it integrates with other platforms, isn't Ripple on some level good for the ecosystem?
• When might Ripple be a good hedge?

I want to be clear here: I don't intend to debate the view, I just want to know why people feel this way about Ripple. I feel it has a place in this ecosystem, even if I don't see the value for myself.