Wrong. Because you basically own a share of the total amount of coins. So there will come a time when all those coins will be placed on the market. Then goodnight.
wrong. you can't effectively calculate market cap due to the escrow schedule (release of supply will/can change) and even more so the purchase of XRP by FI's. the purchase of XRP through FI's will never hit the open market as it's a bridge asset for their company, not a means of "hodl'ing" to re-sell like you're doing. there's probably a clause preventing them from reselling even if they wanted to. marketcap is traditionally defined by price x total number of shares outstanding which is a bogus concept for crypto, and specifically for XRP.