Interesting article about xrp on here..but it will be ptoven wrong In my humble opinion, I highly doubt XRP will be worthless. For several reasons:
1.) The infrastructure is currently being built to solve the nostro / vostro accounts. It takes time, but it is happening.
2.) XRP is one of the digital assets that can, is and will save FIs hundreds of thousands if not millions in transaction fees. Again, it will take time, but this isn't BTC. Unlike BTC, which could die, XRP has a use case and solves a real world problem.
3.) There are other companies building on top of what's been created and new use cases for XRP are on the horizon.