So, maybe i am understanding it wrong, but as far i understand, ripple tokens are used in the negociation process when interchanging different currencies by the banking system. The further on ripple adoption, the more value the token bears.
No, Ripple tokens are not used for that. The Ripple network can exchange IOU tokens, and these tokens may represent dollars, yen, or XRP. If two banks were to use Ripple to exchange dollars, at no point would they touch XRP and it would not affect its value. I don't know if anyone told you that to sell you XRP, but it might be wise to know the basics of whatever tokens you trade. The use of XRP is more like a demonstration of the technology.
Ripple says banks could use XRP to lend to each other. Yeah, they could, but in the unlikely case Ripple becomes big with banks they would use it to transfer dollars. Ripple says XRP will be used to pay transaction fees. Sure, but to Ripple the company. Ripple the company can create as many XRP as they deem necessary. If you choose to trade it you must know these things.
However, more fundamentally, i find your words extremely bold, nearly like accusations of scam to ripple.
At no point did I call Ripple a scam. But it is important to correct false ideas what Ripple is used for, so people don't buy under false pretenses.