banks are subject to xrp's volatility for 3 seconds. do some research retard.
times that 3 seconds by billions of transactions per year and you wind up with a vast, completely unnecessary and totally avoidable bill.
i've said it once, i'll say it again. no institution will expose the necessities of their core operations to any market, let alone one as crappy and warped as the alt market. there is no need.