usecase of ripple was - instant, cross border, tradable with other fiat, remittance etc. When it was launched there was no other better option than ripple to serve these purpose. But today it is outdated because of so many better options to serve even more purposes at lower fee and faster speed without any shady supply. Also there are stable coins too.
So if talks about utility then it is no more useful unless some bank takeover RIPPLE foundation.
But yes price can be increases because of manipulation and whales holding this tokens since long and right now just increasing their portfolio. so it is possible to reach 5$.