Convince me that Ripple (XRP) is not a Ponzi Scheme…

Out of all the big players in the crypto landscape, Ripple stands out to me as a Charlatan.

A for profit company that is trying to get banks and central banks to adopt its currency. Banks and central banks will be the last to adopt crypto and will only adopt something that the masses use.

This company only has a billion dollars in cash, has 1100 employees, and the rest of its assets, purportedly 25 billion, is in mostly ripple.

So essentially anytime the price goes up they are incentivized to sell Ripple from the balance sheet to help cover cost. What I don’t get is the ripple market cap is suppose to be 27 billion on top of all this per coin-market-cap.

What am I missing here?