The sadness of the ripple

One of the purposes of using a cryptocurrency is the advantage of not having to use a bank or financial institution. Unfortunately, the ripple does not fulfill part of the role of its creation, it can be said that it is nothing more than a bank token, being used mainly by the santader bank. The ripple also has no way of being mined, it also has a good part of its total with its creators, leaving it even more limited.