time * effort = mainstream, if we make much effort we won't need time, if we make little effort we will need more time, we are seeing HUGE amounts of effort in legalizing cryptocurrencies and exchanges, the problem, in my opinion, is that banks want to make ripple the "master coin" since they are behind it, my bank stopped transfers for coinbase but was "in bed" with ripple, but i guess that it's just banks doing their thing

But don't quote me on this, i might be wrong and banks actually have the user's "interests" in mind