With the SEC ruling that node operators must have money transmitter license (cost 6 figure sum) and comply with AML/KYC and also every user must scan ID. How many will fork out the money to pay for the license plus a whole lot of other things to comply with to get license.
Same is for LN or masternode operators but at least with no LN or masternode node operators there is still a functional blockchain to fall back to. XRP has no such thing, no node operators, no transaction.
On the blockchain.
https://bico.media/1f8e0c5f47b470f3df0f06f3d2939adccc1f2b7dafa0b4a32a69663cda2c6760.pdf
Will fees rise significantly so node operators can stay in business?
Locking forward to 2020
This will probably surprise you, but theres world outside USA