Blockchain will change how we send money, but not through banks. Theyre completely against de-centralized control of financial system. We need blockchain solutions like Kora (https://bitcointalksearch.org/topic/deleted-2876521) that are person to person and small business to small business
Actually all altcoins now is mark in red in the coin market,even the ripple coins itself its going down,but its doesnt means that it will turn die or the value become zero,because as you stated in your statement only medium banks are never going to use ripple because they want to make there own (not decentalized coins) so maybe that project happen in the future and not implemented by now,therefore in my own thought ripple can be usable in big/medium banks until they cannot create there own,but the implication that ripple is die that is not true,because until now still works in the market as part of crypto technology.