I would not accept a BoA balance equal to a Citibank's balance if the nearest BoA atm is a hour's drive away compared to 5 minutes, for example.
This is why you're a douchebag.
YOU don't have to accept BOA and Citibank equally. But if you trust BOA - THEY trust Citibank - and thus you can end up with money from someone trusting Citibank.
Get it dumbass? (probably not)
What Ripple does is let you TAKE RESPONSIBILITY for these trust relationships in a finer and more detailed way. However, that's harder to do when a jerk-off like you is misleading people into thinking you're "going to send them BTC on Ripple" when they don't even understand what Ripple is.
You're a fucking scammer - you misled people to perpetrate a fraud. That's a fact. Whether the moderators want to do the right thing or not is irrelevant.