You do realise that, it would mean that the total market cap of Ripple would be around 12,200B USD? At the moment, Apple (the biggest company in the world) has a market cap of around 880B USD. So you expect Ripple to overcome Apple and become the biggest company on the planet in 3-4 years?
We are far from that. More than a decade with an if clause of course...
You forgot about the one thing: for each transaction, a certain amount of XRP is irrevocably burned as a commission for transfer. And since XRP released a certain amount, respectively, over time it will be in circulation less and less, accordingly, its price will grow in the future.