It's good to hold the top 3 regardless of how you feel about the coin. Banks are afraid of blockchain, and afraid of anything upsetting their status quo.

Sooner or later, however, they'll have to admit they now live in the 21st Century, where things move very fast, and they will need a digital "vehicle" to keep up with the times. XRP is tailor made for them. I think they will adopt it, with much protest and reservation.