So considering anyone with a glass half empty view is a troll and is uneducated, maybe the people that have been asking why banks havent bought big on XRP should read this. Written by someone that is educated and has done research and will offer far more evidence then the hyping cocks on here. He also wrote an article on what other coins can learn from Ripple and their protocol so he is quite fond of Ripple but is a realest in the below article, which is refreshing

https://bravenewcoin.com/news/counterarguments-to-ripples-value-preposition/

'In Ripple, you can transact purely in IOUs all day every day without touching XRPs for anything else than the fees.'

'if everyone agreed to use XRPs as the common currency, you would only need to make one market per currency - between that currency and XRP.'

'Just because someone can receive XRPs, doesn't mean they'll want to settle in XRPs.'

'XRPs might be a decent universal currency for people that want to hold XRPs, but that might not be ideal for banks or big institutions. That's why we see networks like Corda, or even Interledger Protocol (also developed by Ripple) that don't rely on a native cryptocurrency gain traction,'

'If you are going to see real-world use cases being deployed on Ripple, it will be more likely to see them leveraging the existing FX markets rather than going through XRPs.'

'While XRPs have no counterparty risk, they also have no counterparty protection. If anyone steals your XRPs, they are gone. With IOUs, you can still appeal to the issuing gateway to halt the transaction and potentially track down where it was withdrawn to. The IOUs are thus much less of a target.'

'On a similar note, XRPs are much harder to track, which would make them less appealing from a compliance standpoint.'

'If a value of a given currency changes in value, you only need to adjust the market using that currency. If XRPs were the universal currency against which all of the currencies would be traded, any time the value of XRPs would fluctuate, you'd have to adjust the entire market.'

'XRPs have no transfer fees attached to them. While is possible for a gateway to issue IOUs without transaction fees (that's essentially Tether's business model, but on another network), perhaps even leveraging some other big crypto like Bitcoin or Ethereum through voting pools, the fees on those IOUs can always be changed. It seems that the network standard for transfer fees is about 0.2%, which seems to be smaller than the spread on XRP's biggest market (at the time of writing, 0.00015086 sell, 0.00015003 buy, giving about 0.55% spread). So it is possible that sending money through a very liquid FX market you would pay less in transfer fees than going through a less liquid XRP market on just the spread.'

'So this leaves XRPs with their primary role - paying transaction fees and fulfilling the needed reserves. All in all, about 50-100 XRPs per person / account would be enough for a lifetime of usage. That used to be less than 1 USD, and now is about 35 USD.'

Let me guess this guy hasnt done his research and its just FUD and you keyboard warriors know more? Lets see how quick real facts that we have been able to backup, as opposed to your SPECULATION gets pushed back pages so noone can find it.

Oh more days down and more downward movement, dam its going to be a quick boom to get 20bill market cap....or was it MINUS 20 bill lol