Nice summary of major points with great explanation! Rome wasn’t built in a day, it’s gonna take time till banks will be willing to use it, but they will, finally, or at least something similar. It’s their basic interest. The competition has started, known institutions have joined it, and using Ripple has quite clear advantages. I think Ripple just stepped out of early adopter stage. There’s no sense in comparing with other coins. Its creating has a clear purpose, and its price should be more stable and it will never compare to other cryptocurrencies.