I think what is lacking for XRP is the government acceptance.  Once the government acknowledge XRP then it is a smooth sailing from there.  Though other do not like a centralized cryptocurrency, it will work as benefit for XRP because there is one company to control it as OP cited.  Government wants entity that can be controlled so I think if XRP strive to get an approval for government, they will get it eventually thus, they can become a widely used payment method.


This is just a merchant's preference.  So if some merchants supports XRP they will be  saying the other way around.