Perhaps, but I see Ripple doing something similar to what Amazon did. It's starting with something very specific like selling books. Once they were very efficient at that, they started selling other things. Once Ripple perfects cross boarder settlements I could see them working with national banks, then retail banks and businesses. Once the liquidity is there for the large FI Ripple can draw on it for other businesses that will use XRP to transfer funds from one place to another.