Why It's Foolish to Believe that Ripple Will Touch $5

I am a little old school and don't believe that Ripple will offer enormous returns. My friends sold it at $ 2.50, 

My reason is the market cap of Visa which was 250 Billion USD,whereas  Ripple had a Market cap of 120 Billion at the Price of $3. 

• There are 3 Billion Visa Cards issued both Debit and Credit, where the Transaction last Quarter was $1.9 Trillion. 
• The Market is expecting  8-9 Trillion dollar of transaction is FY2018 (September end followed by VISA). Visa has $7 Billion USD profit last year and it's expected to reach $ 8 Billion this year. 
• It' s  high Free cashflow generating business, with a monopoly.  Ripple on the Other side is not accepted by any bank, no Customers yet. 
• The total estimated transaction is just $44 Million on Ripple. 

So those who believe that it 'll reach $5 by the end of 2018 are foolish.