Technical issues aside, here are some of my thoughts about XLM:

 Hi Whatsupp, about point 5, not all money needs to be converted to XLM. Stellar/Lumen is the network for the transfer of value. So at any time, only a small fraction of the value will be on XLM.Even more so, since the to be transferred value is not converted to XLM tokens, but to other IOU-tokens, with XLM/Stellar token being used for fees in the transaction.Please correct me if I'm wrong.About point 1, Stellar is not that much younger than Ripple. Stellar started with a copy of the original code, when one of the founders of Ripple left after disagreement over large amounts of XRP not being distributed fairly (the founder who remained at Ripple shared less XRP with the community than agreed upon earlier). In my opinion, this makes Stellar/Lumen a more ethical alternative to Ripple.Then to finish. I'm no fan of the underlying technology. It is not blockchain, it might be a good solution for banks, but I personally prefer public blockchain projects like Bitcoin, Ethereum, Nxt/Ardor or Lisk.