You summerized it nicely and precisely.
I do think ripple can be usefull, specially in the near future, before cryptocurency takes over.
Maybe it's dufficult for us because it's still connected to system, like @yairdd said.
But it will grow (and now the crypto market gets fluded with peiple which doesn't value the dicentralize idea as much as we do. Making it much more popular)
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that is the point that im trying to write here..
STUPID MONEY.
OR FOMO "fear of missing out"
Exactly.
And in the tiniest drop they will sell it all