Most people are in this for speculation, they don't give a damn about anonymity or 'centralization' or privacy at this time. That will become a factor once the tax man rings, that will show Ripple it's limits - as it is a banker's coin. Then, there may be a SWIFT coin soon... so I don't see Ripple taking over the market, it's only attraction lies in the boom and the hype and the speculation itself. Right now, it;s as dangerous to the bitcoin brand as the BCH attempts to take over were, that seem to have already been forgotten by most...