Ripple today is what the internet was in 1973. However, things happen faster these days.
                Example: The internet we know today wasn't turned on till 10 years later circa 1983(same year for the first mobile phone) Ripple will be used on a massive scale before a 10 year time frame but who knows when...


Or it can take even longer....
               Example: How long did it take from the first ISP's to have SMTP between each other.


So, Ripple is the future.

I like to think at the end of the day, transactions from inside the financial institutions of the world and backend cheap remittance options for the world will bring the appreciation of the xrp. BUT people like me can't wait to use ripple on a daily basis around the world with only a smart phone in my pocket being as efficient as I can be.

Building onto the ripple network like the smartest dude on the internet is doing building "Casheer" will have us running on never before seen efficiency in the financial industry
 
This kind of efficiency is only seen in newborn babies that live off a perfect amount of breast milk and doesn't pee or poop for days.