You really need to listen to the CEO Brad Glaringhouse discuss this on a podcast I just posted. He makes some very clear points that have real world applications and realities about banks and centralized blockchain tech. To an extent you are correct but he blows up part of that in his interview.
https://steemit.com/xrp/@libertyranger/xrp-ripple-ceo-brad-garlinghouse-interviewed-on-badcrypto-podcast