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The network is basically a database. Anything you can do with a database you can do with Ripple or blockchain. So private messaging - same way. You'd have to do the work of encrypting or figuring out the method.

It's time, not money. Takes more time for me to find and teach/explain to someone how to code for Ripple + then check their code than to just do it myself.

I actually have that on my to-do list. Since we can record chat and display names, there's no reason we can't include bios of issuers that we're viewing + instructions, etc. I'm thinking a similar window on the left (like the chat box) except it'll show a profile of the current token issuer. It'll take me a while though as my schedule's been packed. Took me forever just to get the display names up.

You can check the site by right-clicking the page and viewing source - that's literally what's running. If you find a ripplelib js file, you can open that and use https://www.diffchecker.com/diff to see if they're using the original ripplelib or made any changes (unless it's minified). If you don't find a ripplelib file, they are likely writing their own code to connect to Ripple (which doesn't automatically mean bad but means you have to then read their code). Next step after this is to see what other code they include on top, but seeing ripplelib or some equivalent is usually a good start.

You can be sure what they sent you are DTC by looking the issuer (which should be your address). Also by default no one can send you any token besides XRP and your own issuances unless you first add it to your Receivable Tokens list (aka trustlines), so by default unless you add someone else's DTC to your list, others will only be able to send you your own. You'll be able to see the address of people who buy or send you DTC in your transaction history. You can use that address to match up to the person you want to send actual cash (so you'll have to collect info and communicate with them somehow). Alternatively, if you want to keep things anonymous or avoid having to manage the redemption process yourself, you can create buy orders for your own token in USD (Bitstamp or Gatehub), so anyone wanting to sell will hit your buy orders and receive USD they can redeem at Bitstamp.

The Network connections settings is just for demonstration purposes (otherwise I'd have to film the computer being physically disconnected from the internet). You can take the same idea by downloading the page and then moving it to a computer that is and never will be connected online for use in creating or verifying your keys.

Ripple itself is the distributed ledger (formal name Ripple Consensus Ledger or RCL). The idea is no one has to maintain their own records anymore, but few exchanges actually do this even if they offer Ripple to trade. Mainly because they can make more money keeping their own books and staying in control, etc. I wrote more on the topic here: https://www.theworldexchange.net/#global

The paper wallet I built at https://www.theworldexchange.net has the ability to verify keys offline, so you can load the page, disconnect from the internet, and test your keys without sending them to anyone. I set up a video tutorial here: https://www.youtube.com/watch?v=QWZ-AEVvDVc&list=PLHAK7FXoElZOyM6MaQ_O_i6ATap2k9r-o&index=3

Wallets aren't stored on anyone's computer. So answer to your question is yes. The way it works is that every wallet that could possibly exist is already created. When someone "creates" a wallet, what they're really doing is just drawing a random number to be assigned one of those wallets. That's why you can create wallets offline. The idea is that there are so many possible wallet IDs that you'll likely never get one that someone else already has. Not a big fan of that kind of logic but nonetheless the odds are low.

Similarly you can test your keys offline as well. I created a video tutorial below for the wallet I built at https://www.theworldexchange.net (exchange in name only, actuality just a paper wallet). https://www.youtube.com/watch?v=QWZ-AEVvDVc&list=PLHAK7FXoElZOyM6MaQ_O_i6ATap2k9r-o&index=3

Applied the Ripple Display Names to the backer/issuer names as well, so you don't have to wait for Ripple to update their Data API anymore for new Gateways. Example: https://www.theworldexchange.net/?symbol1=TTT.rBcA1MkS2jtywAAi9bWfGsUk9R6RWQAyKr&symbol2=XRP (The demo wallet now shows the name WorldX instead of the address even though Ripple's Data API doesn't list it)

Try it. It won't let you. Only the first one to a name is accepted. (Also explained in the screenshot).

I took the Chat Box idea a bit further and re-implemented Ripple Names on the ledger itself. Similar to how the Chat Box worked, setting a Display Name involves sending a minimal transaction to a designated Names wallet. To find the name of an account, you'd read the latest transaction memo sent from that account to the Names wallet. Anyone else that wants to support this protocol can do so by copying this method into their code as well. You can see it in action (and also get your own Display Name) at https://www.theworldexchange.net/ as part of its Chat Box functions.

Yes for https://www.theworldexchange.net it basically simulates trading with each bid/ask order being a different trader w/ balances to deplete.

I do a regular collection of bids/asks before this where I handle the funded-ness of the offers. You can find it in the block before that code in the source code. It's too long to post here.