I’m not going to run around and state theory like truth but I think this kind of theory makes a lot of sense when coming from the “if I were a banker, what would I do?” Standpoint. Still I will be the first to admit that the evidence for such a claim is weak.
What do you think the bankers are doing? They most certainly aren’t sitting on their hands unaware of the paradigm shift or running around in a panic as many others would assume.
They may have not created ripple, but they may use it as a vehicle to create a standard for crypto, much of which could cause lots of problem solving for other coins.