When comparing Ripple (XRP) to the Stellar Network & Lumens (XLM) one should ask themselves the question; what is the purpose of each project?
XRP was developed to challenge the current financial system (SWIFT) for international remittances for financial transactions used by banks and corporations. XLM'S development is meant to meet the same challenge as XRP; plus meet the needs of every individual on the global, i.e., the unbanked persons as well as the underbanked persons. As more-&-more products are developed to meet the needs of the above mentioned, XLM will be the choice for daily use and international remittance. XLM being the bridged crypto for international, as well as domestic, remittance will create a demand far beyond XRP. Another very important use case for XLM, or should I say the Stellar Network, that will be used by the world bank (IMF) to control and monitor all SDR's used between nations. No citizen, of any nation, will have to assess to SDR's; they will be the new world reserve currency replacing the US dollar for the world bank. When one does their research they will see its clear Fintech's companies around the global built on the Stellar Network will be key in making this happen. My thoughts regarding why XLM and the Stellar Network will dominate all cryptos in international transactions/remittance around the global. Be patients and support Stellar!!!
My thoughts regarding Bitcoin being used as crypto for daily use is nothing more than hip by the bulls that own Bitcoin. Think about it; if Bitcoin holders believe Bitcoin's price will increase to $100,000 plus why would they use their Bitcoins to pay electric bills, taxes, or any other daily transaction?. Every transaction using Bitcoin must be mined which cost Bitcoins being paid to the miners for their mining efforts. When the environmentalists determine Bitcoin is a problem too the environment due to the amount of electricity being used to mine Bitcoin will be a problem for their crypto. I don't see Bitcoin as being much more than hip and an avenue for all sorts of illegal activity.