I see your point and it's a valid one. However, xrp seems kind of suspicious. Where are we getting if we preserve the status quo in finance, leaving it in private and government hands. We may earn some money on xrp, but is it all about money? It mostly is and I'm too idealistic :)
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At the moment, yes, it's all about money. Unless, and until I see a currency that is; well govern, trust and stable. None of it exists as we speak. Decentralize currency, even if it does exist. we have to fight among ourselves, inflation/deflation, eventually, it will be illegal, all governments will hunt it down or try to take over.