That must be why the BIS and IMF mention $XRP as a "cross-border" payment option. You're not seeing the bigger picture. Bank settlements are currently slow and expensive. $XRP is faster and cheaper than $BTC. $BTC is a better store of value and hedge against inflation. $XRP fixes a massive disconnect in our financial markets. No one is going to go buy a cup of coffee with $BTC and stand and wait 15-30 mins for the transaction to settle.