I think you have the wrong end of the stick when you write about Ripple. Ripple Inc is a company which is developing a system to replace the present SWIFT system. The Ripple coin will be useful for this service, but only to the tune of about $10 per bank.

Ripple Inc own around 60 billion Ripple coins. They have a vested interest in seeing the price as high as possible as these coins will no doubt fund their future development. Ripple coin may turn out to be a great investment, but I think that will be driven by more buyers than sellers, and mainly buyers who make the same arguments as you.

I don't think that the fRipple payment system has any impact on the coin price. On the other hand, support for the price is dependent on the Ripple In business being able to survive.