XRP volatility is only volatile on the btc/xrp side of things - its price in USD remains relativey stable - Also you need to do more research on ripple it has started to be adopted 15/50 major banks are now signing on to ripple that's a pretty huge step for any blockchain to possibly become the staple for a real world use. That being said I like your article because well I was also apprehensive about steem, and the unrealistic aspect of its price being stable is almost nill - 10% gains per month would decrease its value fast