With a good amount of people not too fond of ripple I'm a proud investor. Reasons why people like to ignore Ripple could be for the fact that isn't decentralized. Unlike other CryptoCurrencies this coin isn't capped, Ripple can allow inflation as they please.
More on what Ripple does than focusing on the negatives.Ripple is a real-time gross settlement system (RTGS), currency exchange and remittance network by Ripple. Also called the Ripple Transaction Protocol (RTXP) or Ripple protocol, it is built upon a distributed open source Internet protocol, consensus ledger and native currency called XRP (ripples). Institutions that will me using this protocol include Banco Bilbao Vizcaya Argentaria, Bank Leumi, Bank of America,Bank of America Merrill Lynch, Barclay, BMO Financial Group, BNP Paribas, CBW Bank（Citizens Bank of Weir), Credit Suisse, Cross River Bank, DBS Bank, Fidor Bank, HSBC, Intesa Sanpaolo, JPMorgan, Macquarie Group, National Australia Bank, National Bank of Abu Dhab, Natixis, Nordea Bank, Oversea-Chinese Banking Corporation, Rabobank Nederland, ReiseBank, Royal Bank of Canada, Royal Bank of Scotland,Santander Bank, Scotiabank, and the list goes on and on.
Now as much as I hate banks like anyone else involed in crypto I can't help to ignore the growing protocol that is forming. Just like Email took off in the 2000's it didn't jeopardize the US postal service, so I ask myself will crypto end banking the way people intend in their heads? I don't feel like it will, Crypto still has a lot to grow and our older generations are still very traditional and may never fully switch too crypto. Im certain a lot of our grandparents still read and pay for news papers even tho they can just jump on their computers ( if they even have one). So with that being said that majority of that generation may never start independently banking. but with the majority in lets say 7 years start using crypto the bank Will need to update their Hardware. Ripple being that platform like it or not it will grow and banks will still be around and with the price at 20cents how could you not ;)