Yes, the models look very optimistic although there is always some risk involved as always something can go wrong. Still, now risk is much better distributed than in 2013/2014. So yeah, question now is not if but when it becomes mainstream. Another interesting thing is that even though it looks a bit like pozi scheem due to doubling prices, etc., even last adopters will not be robbed. Adoption curve is not speaking about price decline but only about, well, adoption. Good thing is that even last adopters will loose nothing except big investment/risk opportunity. Real looser might be financial institutions that will not adapt, but I don't think they are that stupid and I guess they are already slowly buying. Right now I'm really wondering if it goes smoothly up or if there will be some big shocks. I would be surprised if old system accepts this shift of paradigm without serious fight. Major elites always fought for control over money supply. They might like Ripple because it only increase their profits and doesn't take power from them but they still hates Bitcoin and most of alt crypto projects.