very nice overview ! and very true indeed.

Fun Fact:
did you noticed that
Karl-Theodor Maria Nikolaus Johann Jacob Philipp Franz Joseph Sylvester Freiherr von und zu Guttenberg
( :D this is the name of only one person)
joined the ripple labs in 2014
This is a funny fact about ripple. ( check him out ! "Karl-Theodor zu Guttenberg")
And its even more funny that ripple really could have a potential for banks.
But what would this tell us about banks :D
maybe the truth !

greeting to Mr. Guttenberg (without the Dr.)