Ripple, don't get it???

After seeing the price go CRAZY, I decided to see if I could get a wallet and mine. After visiting https://ripple.com/ I don't see a wallet download or how I can setup a node. How is Ripple a decentralized solution?

https://ripple.com/insights/xrp-ledger-decentralizes-expansion-55-validator-nodes/ only banks can have a node, BADDDDDDDD!!!!!