Ripple will do better when banks support the concept of ripple. Maybe it is a matter of fixing the road before let the cars passes on it. We don't know what is happening now in ripple core system. With regards to #3, it is not the matter. So don't bother yourself, it would not help you to have profit specially if you don't hold ripple. However, in case you hold some ripple. it is better to think hundred times.