It won't be the future of payments, it'll be just like any other altcoins and cryptocurrencies that we have.
I agree, although Ripple (XRP) is fast and has low transaction fees, it is very unlikely to become the future of payments. Banks and governments will not let a currency they have no control over become the future of payments.
Isn't it that xrp is centralized? It is being controlled by the banks so what you have said is not true.
But I also doubt that xrp might be the future of digital payments, it will only serve the same as other altcoins in the market even though it's transaction fee is low and instant.