Don't do it! Do whatever you want of course. I actually did a lot of research on Ripple when I was first getting into cryptos. The thing that really turned me off was the fact that they were so heavily influenced by the banks. It seemed like it was the anti-crypto crypto. Part of what drew me to crypto was the kind of underground nature of it and the freedom it gave you from institutions. While I agree that some regulation is necessary for mass adoption, Ripple just always felt like the equivalent of a NARC to me.