I thought the only FUD was the escrow, but dayum! The escrow is nothing compared to your FUD, europa7. The monthly programmed release of XRP from escrow is a chance for alarmists (and short-term traders) to get all worked up about "effing BS dumping" (or dilution). That would bother me, too, except then I notice that only 30% of the available XRP was actually left out last quarter. At that pace, and at the pace at which that pace is accelerating, we are still looking at a minimum of at least 67 months before the escrow is completely depleted, and it is more likely closer to 10 years, than 6.
But the FUD is really everything else besides Ripple's 55 escrow accounts, in other words, everything that is much less certain. It is how much Ripple can do in those six, ten, maybe more years. From partnerships to competition to how many coins the users (banks, Moneygram, IMF?, the Fed?, who knows?) will actually need in circulation at any moment.
I should note that your FUD is dated from a year and a half ago. It may all still apply, but it has not killed XRP yet.
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