Honestly, you're spot on with that catch phrase the promoters adopted. During my early days in cryptos that expression used to perplex me because I knew the sing song here at that time was the banking sector being against cryptos. So, if banks were against cryptos how then would it be that Ripple (as it was called then) would be their darling? It was a conflict. XRP remains about the only top 10 crypto that I haven't come around to buying for the sake of hodling, at least for once. I don't like the dynamics behind it. Its supply is huge for me.