It appears that the following is happening:

Every bank is going to have to adopt digital assets plain and simple.

Ripple team knew this.

Banks either play ball or they die. They have huge problems anyway with gold and silver reserves. They play ball by commiting to digital wallets and the conversion protocol for fiat into digital.

So when the banks utilize CBDCs (Central Bank Digital Currencies) or some other token for smaller banks, they will need a protocol to convert FIAT into digital to be stored in customers digital wallets.

Because these are all tokens on the blockchain they will have to use a blockchain based protocol.

Well, just look at the fees with BTC, ETH. There’s no question this conversion protocol is going to be done using XRP due the .0001 fee.

Oh and by the way, XRP is not only built for this but is also using the ISO20022 standard whereas other tokens aren’t.

Are you grasping magnitude of this yet?

What about the elderly that will be totally confused by all of this

I hate all this crap and I'm not a pensioner... yet.
I have zero interest in doing all my stuff online.
Even emails, my elec company keep trying to get me to do an online account and upload meter readings etc on to it, and see my bills etc,

I keep writing to them (on paper) saying, no thanks, I don't want an online account, and I don't open your emails, so you might as well keep sending me paper bills.

So they have to keep sending me a bill by post. Haha.
I refuse to have a smart meter installed. They hate me.

But if we all refuse in small ways to go along with them digitalising everything, then they can't win.

I will never use the tap and click or whatever it is on debit purchases. Hell no. I deliberately withdraw cash and use that.

Imagine everything is online and electricity and internet goes down.
Nightmare.

Nope.