The problem with Ripple is their market cap is already so big. They also sold themselves as a "bank solution." Stellar is even better (better team, better logo, smaller market cap) and although inflationary, can easily replace XRP.
I put in the "better logo" part half-jokingly, but this is crypto and memes are a thing.
Aren't Stellar and Ripple more like neighbors and not identical? As I understand it, Ripple is a B2B solution for the financial industry (banks) and Stellar is a P2P solution for cross boarder transfers. Each are going after completely different market segments...