I do like a well-written piece ;)
There's pundits on this very thread politely hinting a the demise of outdated bitcoin in the name of more efficient Ripple, and hey - it's so practical, you can directly use it from your bank - you know, the guys you always trusted with your money !
Just scroll, if you've been in the business you'll immediately recognize the approach.

So this is indeed what's going on, via several levels The explosion of crypto must be led into controllable channels before the chance is lost. Most people in this market aren't used to strategic thinking in a world of secret banking/intelligence services, so to speak, and will in doubt follow the simple explanation...
simple neurophysiology at work.
While I'm at it, have you looked at Stellar Lumens (XLM) as opposed to Ripple ?

It's a token that could be used by anyone who buys some and can convince people to use their services much like a Western Union booth, or yourself, to send around the globe in seconds, fully decentralized (as opposed to Ripple), can be integrated with external exchanges, you know the sort - like bitshares.org ? Or with Amazon, or Walmart, and it's at this time being used as a banking transaction system in the South Pacific, that IBM helped setting up... http://fortune.com/2017/10/16/ibm-blockchain-stellar/

Of course, the article says, this is expected to be only temporary, as the little and large nation-states will soon develop crypto "of their own", and so will of course the banks, won't they. Ripple, or SWIFTCoin...
So the question is, will the little people understanding that they have to invest where it benefits them ?
They seem to understand virtual money as opposed to paper as opposed to gold but can they ever understand that freedom is preferable to being comfortable ?
I don't think so, just watch what's going on in the streets.

So everything depends on marketing and market forces, and we're at this moment as on a darkling plain, watching the market forces at work, playing the people, who can't think of anything but short term gains.
I will visit your link in a second ;)

P.S.: what's a pay phone ?