No one ever got around to solving Ripple's biggest incentive problem: the fact that one group controls *nearly all* of the XRP. What a hot potato that is!! All of the controllers will eventually be cashing out, abandoning the project and fleeing for their lives. In contrast, Federal Reserve Notes were at least a hard fork of the gold blockchain, so to speak. And BTC, each are created as different small accounts (max size ~50) with an unknown owner.
