I think the banksters in the US won't want to use them for the same reason we don't want to use them. Because they're centralized, closed source, and can be manipulated easily by a small group of people. I know Bank of America's on board but that's just one US bank and I don't think the other major players will join Ripple to line Ripple's pockets. Chase, Rabobank, Ally, they could just make their own solution to the SWIFT "problem". Ripple sounds like Nipple also..