the reasons that XRP is considered a scam involves an ambiguous new standard that would require all securities and everything in the equities market to also be called scam. Things like there being a centralized issuer (like all assets except for physical commodities), things like all of the asset being created in advance which is called a premine (like all assets before crypto, except newly authorized shares which are then sold)
as XRP aspires not to be within the securities framework, there is still a desire of the market for more forthcoming disclosure and many people (including myself) don't like prior - but extremely successful - marketing of XRP/Ripple that didn't separate Ripple Inc activities from XRP use
but in the crypto space, scam is not defined at all and has complete dilution of any meaning. it is typically rooted in ignoring market sectors, in favor of a general all encompassing single cryptocurrency attracting all capital in the world at all times in perpetuity, so any crypto asset that dilutes some of that capital is called a scam because it slows down the desired world view. obviously people outside of the crypto space consider all of that to be an absurdity. the "middle" view is that there are assets that share a technology feature set that are simply bearable by the market, like any commodity or equity they can attract trillions of value even while a different technology matures that better matches an ideology of elitist enthusiasts.
