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Ripple is a centralized coin and functions like a conventional bank.Maybe someday Ripple will become the first cryptocurecny to get the word "Legal" from the government.That's reason for your Questons . LOL
I often hear people calling it the bankers coin... what about you? You like / hate it? And why?
I don't know if Ripple is really hated or not. What is clear is that I really like Ripple here because the market is not so high and can be bought by everyone easily and at low prices. I see Ripple is indeed a banking coin, but I like it because it's profitable.