theoretically decentralization is certainly better because it guarantees the security of the protocol. The positive but also negative bitcoin thing is that in case of theft or errors you can not go back what you can do in a centralized protocol. People need help and it's not so easy to keep their savings safe
Agree. Both decentralized and centralized systems have their advantages and disadvantages one from another. However, I believe that decentralized systems will always prevail over centralized ones, simply because they're secure and resilient against attacks from third parties. Bitcoin being a decentralized cryptocurrency has such benefits, and it explains why it's been a successful medium of exchange after all these years. Turning itself into a centralized system would not be such a good idea, since it can be easily manipulated by third parties.
Unfortunately, that's case with Ripple, since it's a "cryptocurrency" that's maintained and controlled by its internal company. The most share of XRP tokens are owned by the Ripple company itself, putting at risk the long-term viability of such centralized system. Therefore, if Bitcoin maintains a decentralized cryptocurrency, then it will continue to rise both in demand and value over time. However, if all the contrary happens, then Bitcoin will be doomed as well as most cryptocurrencies in existence to date (since they're dependent on Bitcoin's progress as a reserve currency). Just my thoughts
