this might very well be the reason for its success and adoption imo. and probably the reason they kept such large amount of premined coins from the begining. remember that main ripple investors are far from being business noobs. plus, what's few hundreds billions in comparaison with the worldwide monetary base trillions? 21M isnt so easily scalable in comparaison if you think about it. but im also confident bitcoin will stay as a store of value such as gold and just as there isnt as much of it as fiat..
ripple/XRP whatever, its not like if everybody also makes the difference between bitcoin and Bitcoin. Its still very immature, the aim being at partnerships and spreading smoothly.