How is owning XRP different than buying V-Bucks in Fortnite? Both are centralized and controlled by a company.

Serious question. XRP is often criticized (or defended) for being a “centralized crypto” because Ripple controls a large share of the supply and influences the network. But doesn’t that make it similar to something like Fortnite V-Bucks? Epic controls them, you can’t use them outside their ecosystem, and they can change the rules or supply at will.

What makes XRP fundamentally different from a digital currency in a gaming ecosystem? Is it just the intent to be used in finance? Or is there a structural or legal difference I’m missing?