https://en.wikipedia.org/wiki/The_Scorpion_and_the_Frog
If you haven't seen the fable about the scorpion and the frog, pointer is above.
I have no animosity towards bankers. Just as I have no animosity to scorpions.
But I have enough experience and wisdom born from years, and enough common sense to know that:
- scorpions will always be scorpions
- bankers will always be bankers
The reason why an investment in XRP tokens is guaranteed to eventually lose you money is no more complex than that.
Every animal has an innate nature it cannot run away from or hide for long. Including bankers.
Stated differently - the bankers will definitely find a way to use ripple blockchain technology to become more efficient at cross border fund transfers.
But they aren't going to share that increased efficiency with "Joe Public". They will take increased efficiency into their margins.
They are corporations. They exist to make a profit for their shareholders. They don't exist to pass on windfall profits to "Joe Public" dudes, who happened to buy some XRP tokens with dreams of getting rich without having to work for it.
That doesn't make bankers "bad". And "profit" is not a dirty word.
But you shouldn't reasonably expect that you are going to get rich for doing nothing, while the bankers and Ripple Inc are working hard and spending research dollars on innovation.
If you want to make crypto profits, you need to be investing in public blockchain projects, that have a reasonable chance of linking into the real world of $$ flows.
I understand your position better now. It's a valid argument. For now, I think XRP holders' interests coincide with the Ripple Corporation (both have an interest in XRP's value increasing - it gives credence to the company and constitutes good publicity). However, if they ever do want XRP to be widely adopted as a currency (as opposed to an investment vehicle), they may try to implement some sort of monetary policy to control volatility (which is highly undesirable in a currency). This could have the effect of limiting XRP's profitability to the holders, to the benefit of the company.