ANY coin/share/token that has BILLIONS in supply(see fed reserve) is simply scamming...keep it real :\ NO ONE NEEDS BILLIONS OF COINS LOLOLOLOL
Basically you are correct but not word by word.
More coins means you can easily hike the market capitalization. That's what ripple is doing now.
If ripple was to be used in banks for inter bank microtransaction the they should always be cheap else no use of sending large amount.
You cant have two swords in one sheath