People are shortsighted and are not able to understand what Ripple is trying to do and how well their plan is progressing.

Price went up wildly because of a stupid Coinbase rumor, and a lot of people bought high. Today, the people who bought at 3+$ have the same choice as the people who bought bitkoin at 1000+$ in 2014 - if they are patient they will see massive gains, if they are not they can take their loss and move on.

Banks and FIs are joining in waves, and yes, at first most will use xCurrent. But the transition to xRapid will come soon, and so will other usecases based on the advantages of a fast crypto, cheap fees & great liquidity. Smart people will not miss out, a lot of money is to be made.