Hi!!

First of all, I love ripple and I believe its the best crypto so far, but I want to be the Devil's advocate!

Why would the banks use XRP instead of taking 5 years to create there own e-money? The banks are not that much in hurry? Are they?
Why would the banks make this list of people rich  :  https://ledger.exposed/rich-stats   by using ripple ?
When in the history of the world does the king/emperor/president were kind and generous to their people?  (I mean the leader giving away a bit of power = If they adopt the ripple XRP, Brad G and its crew are going to be richer than the banks)
Banks could use Xrapid without ever using XRP so the price would rise?

I see 2 paths,  its either the big banks winning with their e-money crypto OR Ripple!!!   
(Who's going to win)? I would prefer ripple obviously!!!

Thanks