Ripple IOU vs. XRP?

it's been said here that Banks are more into Ripple's IOU system and that XRP won't be used. Many FUDDERS on here use this as a BS platform to spread FUD. So here's what I've learned on here. Banks have a choice. if they choose IOU's they will still need XRP to "PAY" for the transaction. (by the way this XRP "payment" in effect will DESTROY XRP there by decreasing the XRP inventory. and we are talking about a $200 Trillion Dollar Transaction per year industry. and Ripple ONLY has 100 Billion XRP's available. 55 billion of which are locked up. at $200 Trillion Dollars yearly in Transaction. Even if the cost of each transaction was as miniscule as say .001 cent? how much XRP will be destroyed monthly? Yearly? And if the IDEA of Bitcoin being RARE at just 20 million possible Bitcoins?

Then XRP's being destroyed by the billions yearly? HAS TO BE A GOOD THING YES? Even in the Millions. Still a good thing.

In short? Don't listen to the FUD. These Fudders ONLY purpose is to bring down XRP to a point they can JUMP on XRP at manageable prices. You see like a Magician. With one hand they spread FUD creating DOUBT and people like you and me DUMP our XRP's. Then with their other hand they are off to Scoop up your dumped XRP at cheap prices.

Don't be Stupid. XRP WILL BE USED by BANKS.
BANKS LOVE MONEY.
BANKS will FIRE 100,000 employees just so they can earn an extra half a point a year. This is the kind of people we are dealing with.

So if using XRP instead of IOU's is cheaper?

Which DO YOU THINK BANKS WILL CHOOSE?