I think XRP is almost guaranteed to have widespread use.
Anything that offers a commercial competitive advantage, such as XRP and the related Ripple products, with their time savings and cost savings - will be used. Companies that don't use XRP will be left behind, with the choice of either adopt XRP and Ripple solutions, or else remain at a disadvantage.
I share your opinion, BUT banking sector is a bit different...they have pretty big leverage against anything, and won't adopt
anything unless they can get big chunk out of it...so my guess there's a lot of stuff going behind the scene
They won't allow newcomer like Ripple to become biggest company on Earth just like that...Ripple will have a lot of
legal bribing to position themselves as major player