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RE: RIPPLE (XRP): Don't Confuse the Trees for the Forest!! Target $4.11!!!
All 4 of your points are spot-on. We were simply commenting on how the dolty buyers of crypto would view Ripple and Stellar.
Longer term, Ripple and Stellar shouldn't go up at all, BECAUSE of the centralization involved. Crypto is ALL about anonymity in the end, the "dark side of the force" coins will win the day, long after most of this stuff has been outlawed.