Ripple is hated by so many people all the time. Nevertheless, it is one of few coins that has a real use case and very little competition. It is very foolish of people to think that banks will disappear and everything will be ruled by btc or other cryptos in the near future. XRP is a win-win situation not only for the banks but most importantly for consumers. I have been sending money regularly from USA to Europe over the past ten years always costing me more than 10USD and taking 5 to 8 days to deliver. Majority of the people involved in crypto could at least agree on the fact that it takes them 4 to 6 days to send funds to exchanges in order to buy the cryptocurrency of their choice and again costing them quite a bit of money. So what is so terrible about XRP that people talk so much shit about it? Don't you want your bank to send your money instantly for a fraction of the cost? And yes, majority of us are using banks and bank accounts to receive our salaries, pay our bills and do our shopping and I can guarantee you that this is not going away any-time soon. That is just my humble opinion. Have a great night everyone and steem on!