Ripple (not really but in name) financiers have done well in collecting talented developers, keeping them well fed and locked up and preventing them from doing anything useful for humanity.  "Here's a big screen.  Make some silly icons or something.  We need a new deck for our next round."  Y'all got fiatted.  You want to be remembered for cutting costs on interbank accounting of counterfeitables?  Or are you going to get out there and do something interesting?