Seen plenty of post like this last round XRP pumped and dumped with people shilling it as the BTC replacement and praise the banks to make profits on them. Really, they make profits on you. They don't use the coin they only use the protocol and released the coin to get rich on you, they have barely released half their circulation and will be unloading a billion coins a month into the supply.

XRP as a coin is functional, but the prospect of its growth is misleading and it is overdo now.