XRP can still be successful and good even though it's not as noble as Bitcoin. Do you not use Mastercard and VISA because it isn't pure like bitcoin? Probably not. But you make some good points and they are courting the Bitcoin community so I see why you started the thread.
Mastercard and VISA already exist. People don't need another generic payment processor (much less one you have to buy into to use), and that's all Ripple is. Bitcoin only managed to carve out its stake in the financial world because of its purity. Ripple will fail for that same reason.