Ok, so if I want to do a payment or move some money - why should I use Ripple, when I already have Visa and PayPal, and perhaps also bitcoin?
too bad you only have Visa and PayPal in the US. In Europe many webshops have some online-banking connection to quickly transfer some money. instantly and free.
(like IDEAL and Giropay). They solve the same issues as Ripple wants to solve, but with more security and protection (by banks, ironically..
(Paypall and Visa have never been that popular in Europe. personally I refuse to use it.)
... also SEPA (Single European Payment Area) seems to have been designed for all this.