I won't use or support XRP in any capacity -- not even to make money :-)
I don't know if XRB is really necessary, despite its advancements. Maybe I just have "coin fatigue," but I'm with Crypto Investor on this one and don't think it will be adopted beyond initial speculation.
I'm wondering if the supposed need for XRP in banking and the adamant refusal of many to support it actually creates a market for something like XRB to take hold in a decentralized currency environment, even if XRB is not the one to do it and fails. My thinking may also be greatly misguided and also why XRB is being pumped under a huge misunderstanding and false expectations.