@amiramnoam - You make a very valid point about the lower decentralization of Ripple. As you have correctly pointed out, Ripple has already made tie-ups with many banks to provide them blockchain based transaction services for crypto-currency. Therefore, bankers are closely associated with XRP. If the conventional banks get together and decide to do so, they can certainly influence XRP.
Thanks for the heads up. Your article confirms my decision not to hold XRP and gives me peace of mind. Upvoted full through Steemfollower.

Regards,

@vm2904