Ripple has retained a majority of XRP currency. So at any moment, buyers can unknowingly transact in something akin to an IPO, without actually owning a part of

Ripple has retained a majority of XRP currency. So at any moment, buyers can unknowingly transact in something akin to an IPO, without actually owning a part of the company, or having voting shares. In such a case, you're just forking over money to the company, not to other XRP owners. Reeks like potential Ponzi.