Ripple is the banks' internal currency just as Federal Reserve Notes were in 1913. It's not people's money like gold and now bitcoin. But unlike gold, bitcoin is much easier to use so it gives people CHOICE.

It's like several hundred years ago when everyone was forced to be a Catholic in Europe, and when renaisance came, they were freed to leave that oppressive Church. So bitcoin will free people to leave the corporate Matrix (Democracy) and return back to the dejure Republic, where Statutes and Codes DO NOT APPLY.
Remember, United States is a FOREIGN CORPORATION with respect to a State. You DON'T HAVE to contract with it.