[_xrp0]

Your concerns are valid. And you're free to commit to projects that align with your values.

To me, the immutability of an actual blockchain is non-negotiable. I've given up on Ethereum after the DAO fork out of principle.

But that's the beauty. Unlike our current financial system, you're not bound to use Ethereum. You have sovereignty and can make your own choices (and drive change).

-- (I only discuss part of your comment, don't have time for the rest)

Just FYI, the biggest problem for crypto fraud is phishing, not theft. A thief can't get your private keys from a hardware wallet. And there are many, many, MANY strategies you can use against phishing.