2) And for the investors/traders here, he never explains how increasing XRP use as a bridge between banks, where XRP is bought and sold from and to fiat almost instantaneously (at almost the same price) would boost the price of their XRP token.
For Stellar on the other hand (which has a much lower MCAP), users have to firstly use XLM (and not any other alternatives), and it also aims to function as a bank (which they routinely distributes Lumens collected from transaction to) which encourages the buying of XLM. Stellars also have a growing number of partnership with banks, but they are starting in developing/3rd world countries, and getting wider adoption by the small businesses, small banks and the people themselves; rather than mega-banks like Ripple does.
https://www.youtube.com/watch?time_continue=101&v=Daz5kaY1AWk
people just don't care about the crypto and its product they just want to earn profits on their investments. ripple was made for the banks so they are using it... investing into ripple is just like making the fun of decentralization