You've missed the important point entirely, you're not making the "money" I'll take a wild guess that you've given your money that's accepted everywhere, in ex

You've missed the important point entirely, you're not making the "money" I'll take a wild guess that you've given your money that's accepted everywhere, in exchange for Stellar and Ripple because you want to sell it to someone else for more than you bought it? Once you look past the marketing facades it's basically penny stock with a slow database that's incompatible with almost everything else. It's good to look into the details behind the folks who make all these free tokens: https://www.coindesk.com/ripple-jed-mccaleb-settle-suit-over-1-million-in-disputed-funds https://www.coindesk.com/ripple-jed-mccaleb-settle-suit-over... As part of the settlement, McCaleb has sold his equity in Ripple, and has agreed to sale controls on 5.3bn XRP owned by him and his children.