Or you are seeing what you want to see and not what's there.

But I think you're missing the big picture entirely. Maybe you assume that other people see things through the same lens you do, but that may not be the case. Maybe others understand that the obstacle to getting FI's to use blockchains is not the blockchain but it's everything else. It's integration, compliance, regulatory, business rules, and so on. These are all the things Ripple has been doing and announcing.

On the blockchain side, you need low cost, high speed, and good volume. All areas in which RCL beats Bitcoin. If you're going to use a crypto-currency, it has to have good liquidity. XRP does not check that box yet. But the bigger problem, as I explained upthread, is everything else. And every bank that uses Ripple's software for live payments has the everything else.