The basic issue with crypto is that humans DGAF about private keys — or any mechanisms whatsoever. It will need a whole mediating layer to translate tech into "human experience". I guess it will be packaged somehow into familiar instruments like accounts tied to people and debit cards.

IMO, XRP is not for retail users, and when finally used for its designed purpose, it will be utilized by 'cleansed' banks to transfer & store value. So it may be that the XRP you hold will be turned over to banks and you will be reimbursed (handsomely). XRP will be the most stable asset on the planet. It's said that most crypto will disappear & I believe this is largely true.

The new economy will be based on gold, silver, etc that back currencies of sovereign countries, & these currencies will be interchangeable with each other, & with the underlying assets. XRP. No need for crypto without any utility. Countries will back their own digital money. Who will back Doge coin or Bitcoin or Shibu Inu with hard assets? Bitcoin is nothing but a paperweight. It has NO utility or value, beyond what the hypnotized public gives it.

XRP will be the international bridge currency which enables all translations in value. Not only internationally, but intergalactically. 🙂

XRP = "all the money