Agree with all of your points. The practicality of Ripple's company and mission is great. They can do great things for making transactions faster, cheaper, and more secure.

But the majority of the community is investing in this coin solely on the basis that they think it's safer than other cryptos because Ripple is working with banks. In a sense, it is safer because there is a full-fledged company behind it, doing real things with established companies. But in terms of investing in XRP, it's a dangerous game when the Ripple company can alter the coin's entire environment with a click of a button.