It annoys me the amount of so-called expert traders out there spreading FUD about XRP and Ripple and when you question them, they know NOTHING about the concept and the use-cases of Ripple tech with XRP. A popular one is "Banks don't need to buy XRP, so no point in investing". The first part is true, BUT fast transactions won't be confirmed without XRP. If banks want to save money (which is what they are all about), then they will be using XRP. It also provides instant, risk-free liquidity for the transfer of funds.