I have nothing against with XRP when it comes to payment method, because they are relatively cheap in fees and
you can find it in most trading platforms.
However, if you are thinking of long-term holding, that's when you really need think about.
So it is no surprise if a lof of companies will start using XRP in their payment system, because they are really capable on this aspect.
Not just cheap but also one of the fastest , have been using XRP to pay one of my obligation in out of the country and yes we are using RP for transacting and trust me it is really faster and cheaper comparing to other coins even bitcoin that sometimes taking longer time when using for payment unless boosted for the highest transaction fees.
and now that the case against US security exchange? indeed that transactions and users like big companies will sure use it specially times like now that the fee of bitcoin again increasing (like when there is a congestion)