Remember!
Ripple is a Banker's coin, they have unlimited money to support the price of Ripple.
I also don't really believe that Ripple is a Banker's coin but all members on the altcoinstalks forum say that Ripple is a centralized coin.
As far as I know, if a crypto coin is centralized then there must be someone controlling it, if someone controls it then it means the same as a Bank that can Freeze Ripple coins at any time or disconnect from other wallets.
Apple has been a computer platform since 1980 as OP said, we all know that Apple is a centralized company because it operates in the fields of computers, smartphones, devices, etc. If we compare the Ripple and Apple systems, they could be the same because both systems are centralized and managed carefully and strictly.