This is outrageous and exactly the opposite of what crypto-currencies are supposed to do to society.
Ripple is centralized and you cant justify why one person would have 37% stake.
http://bitcoinist.com/ripple-co-founder-worlds-richest-person/
Here is a video describing ripple for what it really is
Newbies crypto investors are only looking at the coin price and not what it means. Ripple being cheap (per coin basis), people are piling up. FOMO at its worst. Everything else looks expensive and Ripple is using the opportunity to show up on CNBC and other Fake Media platform to gain attention. Ripple is crony capitalism, it does not stand for anything that other cryptos do. It is not decentralized, it is owned by Banks and it is for profit.
It's kind of like a virus finding a way to overcome antibiotics ...The world has a deadly Fiat infection .