Maybe this is a pivot, and maybe it is a good one, but that has not always been how it was presented. For a while they were going out of their way to try to get people to sign up for ripple wallets, and in fact I have one. I found it very confusing and when I went back a few months later, it didn't even work with my browser any more. I didn't care enough to try to fix it. Maybe, with this pivot, they don't care if I care.