I think the example of JPM coin will show people the different between pure centralisation and pseudo-centralization.
JPM coin will have a single masternode that confirms all transactions. It will also have no necessity to create economic incentive in the form of fees as there are no miners. So essentially, it will be lightning fast as it is confirmed on one node and it will be virtually cost free as there are no transaction fees.
Compare this to Ripple. Ripple has multiple masternodes called 'validators'. These validators have a say in exactly how the Ripple network gets formed going forward. They are rewarded for validating transactions with fees (small fees, but incentive nonetheless).
It should be fairly simple for people to understand that Ripple does have a degree of centralisation, but it isn't completely centralised the way people think. Read the documentation and form an opinion instead of blindly reading what the media and maximalists handpick to show you.
