With 21 billion coins how can this coin have any real value? I don't understand...

Then maybe you have to think that Ripple has almost the double circulation number (38 billions) , and already has a value of OVER 3 dollars, with ALL the coins available without POW and no real decentralization.
So please think it again...!
It's all on us, on the community to make this coin popular and acceptable from everyone in the future!