The truth is this:

not this:

I just hope that OP will see the truth that is happening right now if even the partnership who will use xrapid didn't even interested to use ripple as a payment system. Honestly, i like your picture. That looks very nice and matched with the fact that happened in our real life.
Actually because they still believe in bitcoin or I can say that Bitcoin has a future for currency and not the altcoins but we can use altcoin as an alternative use of payment soon. We can see what the contribution of ripple by also the reducing fee and it is too good that we cant lose a huge money than using bitcoin. We are not sure for the future of ripple but for bitcoin, we can.