How much is ripple decentralised and p2p I don't understand this


  Even if Opencoin should close, the ripple network will continue. Because the ripple is a P2P >network, it is not operated by Opencoin but by the combined efforts of all the computers >running the ripple server software. The ripple network can not be shut down without shutting >down the entire Internet.


so what is there are still ripple users but no ripple servers?
Will all XRP and all stored money vanish?
is all ripple clients also a server so that they can process transactions.

Also, I would like to ask do all people that use ripple form a p2p network,
or only the ripple servers form a p2p network, and users connect into it?

Thank you :)
Ripple is an internet protocol. It's ledger is kept on servers all over. In fact, I am in the process of installing RippleD and connecting my server to the broader network. 

Watch these short youtube videos: 

Here's an overview of Ripple ... 

Here is an explanation of Ripple in 60 seconds ...

Here are two more videos:

Here is a video to help you understand how a Gateway works ...  http://www.youtube.com/watch?v=M16ZatXbmLg

Here is a video to help you understand how the consensus ledger works ... http://www.youtube.com/watch?v=pj1QVb1vlC0

Then you should do a search on the Ripple Wiki and give it a read. (I'd send a link, but again, they're limiting me to two :-S ) 

Cheers!