Ripple-XRP, page-168

Crypto technology is here to say but there is NO WAY that means banks will be going out of business. What IS likely is that banks will adopt crypto technology in some form especiallyas if this makes their processes cheaper and more efficient. Ripple is a good candidate for this

This is the banks big lie . They know that p to p means they are cut completley out of the system. the use of ripple is an attempt to get their middle man costs down while remaining the middle man for their customers it wont work the take up of pto p will be gradual but will start I would think with international companies moving value between different intrenational offices. Lightning will allow pto p transfers at zero or little costs.
I am not surprised you cannot get your head around the concept it took me several months of what happens if ? type questions and some answers I do not know but with free transfers verses costly transfers who would use the costly one