No way mate. Ripple won't be more than $6 this year. In 3 years if the market goes well then maybe $20 and we will have the richest men on planet - Ripple's owners. I'm not sure if the banks would want to help so many people to become multi millionares thanks to XRP. This is huge power in many hands.
But if you are right it will be really strange living in crypto world 2020.
Hope you are not even I got 2k XRP ;D
I think 2020 will be strange in many ways :)