just like in the internet crash, a few companies made it out. Amazon, apple and google. This is xrp in this world of shitcoins. They will be one of the few who take it to the next level. People dont realize that it is not tied to the establishment like they think. Ripple labs could close tomorrow, xrp and the network would continue and the organic use cases like merchant and p2p would continue to emerge. Ripple acknowledges these other use cases, and stated they want the coin to be used for them, they are just focusing on fi's because thats where world change will come from.