I used to be afraid that this is so since it seemed for a long time that only one server exits. But now there are many gateways so there are many node in the p2

I used to be afraid that this is so since it seemed for a long time that only one server exits. But now there are many gateways so there are many node in the p2p network. So how is this not decentralized? And, since there is money involved, there seems to be high incentive for adversaries. So it seems Ripple does work in an adversarial, decentralized context. What am I missing? I am honestly interested in this. I have trouble finding any reliable information about the viability of the Ripple consensus mechanism.