Thanks for your comment. XRP is actually more or less decentralized and, if Ripple were to go out of business tomorrow, the XRP asset would continue to exist. XRP will become more decentralized over time, especially when Xpring, Coil and Codius get off the ground and more liquidity is created. The number of nodes is increasing at an exponential rate, making it difficult to point at the decentralization. The banks are too big to fail. They are able to simultaneously take risks and maintain a high credit rating, because the money they would receive from another bail-out is added to their balance sheets. The banks will always need to move money around the world and as they can do this at a fraction of the current cost using XRP and at less cost than xCurrent, then it's all the more reason why they should adopt XRP to mitigate any struggles they might encounter.