In theory I agree with you, but practically speaking for at least other ten years, banks will keep on giving their services... And I am sorry for you Ripple at the moment is the only coin that can afford a lot of critical bank issues. Have a look in this article:
https://ripple.com/xrp/xrp-stacks-digital-assets/
If you agree with me, please upvote! Thanks guys
Agreed, like I said I believe it will grow but we will not see the exponential growth we are used to in crypto, still think that this is viable only for banks. If you are an investor, how is the ripple token of any use to you?