Hi!!

First of all, I love ripple and I believe its the best crypto so far, but I want to be the Devil's advocate!

Why would the banks use XRP instead of taking 5 years to create there own e-money? The banks are not that much in hurry? Are they?
Why would the banks make this list of people rich  :  https://ledger.exposed/rich-stats   by using ripple ?
When in the history of the world does the king/emperor/president were kind and generous to their people?  (I mean the leader giving away a bit of power = If they adopt the ripple XRP, Brad G and its crew are going to be richer than the banks)
Banks could use Xrapid without ever using XRP so the price would rise?

I see 2 paths,  its either the big banks winning with their e-money crypto OR Ripple!!!   
(Who's going to win)? I would prefer ripple obviously!!!

Thanks

Bonjourno Guys!!

I got this question,
what is the correlation between all the banks starting to use all the services of Ripple Lab like Xrapid and others
AND
the price of ripple which is 0.37$US when writing this post.

I mean, ripple lab could decide a fix stable price and no banks would take risk sending money on the ripple network?
I'm curious haha!