There are a few reasons I don't like XRP, but despite my dislikes, it continues to succeed. I don't like that that it's an unminable coin, and is self-issued. This shows me that they have the possibility to self-issue their coins to themselves and influence the markets... Which is a good reason for the banks to sign on Ripple with them. I also don't like that it is a centralized coin, with banks using it. Banks obviously have a history of influencing the markets, as that's literally how they make their money. Why would banks sign on Ripple if they didn't have control over it? I don't think a bank is going to let a currency just become worthless, which again, would give them a good reason to control the markets with it.