I found this article yesterday and I think it answers part of your question: https://hackernoon.com/4-alarming-reasons-ripple-might-not-be-what-you-think-9debc

I found this article yesterday and I think it answers part of your question: https://hackernoon.com/4-alarming-reasons-ripple-might-not-be-what-you-think-9debc3c86985 https://hackernoon.com/4-alarming-reasons-ripple-might-not-b...