People talk bad about ripple, because point of crypto was to stay away from banks. But then again also fact is banks are going to stay at least for another 100 years. So of course they want to improve their speed in transfers and with ripple we are talking seconds compared to days. I believe if major banks adopts ripple the world industry and finances as we know will change, since there will be very little space for speculation in trillion $ transfers market. If I am realistic about it I believe Ripple from them all has the biggest potential in terms of % gain as it proved in last 2 months already and no bank is even using XRP jet. Everything is in test phase. That`s just my opinion on the subject. I mean you can hate ripple but banks are here to stay and no one can change that at least for next 50 years... So to conclude either you accept reality or be stubborn and hate ripple but you could regret it badly.