I agree with you that Ripple is for Banks it will helps them especially for the remittance businesses of Banks and increase efficiency, but in my personal mind related with the investment in Ripple i am believe in Ripple and is sure of ripple, it has good potential in the future because of addoption of Banks when all of Banks around the world addopts the Ripple the price of Ripple will rise up and i don't talking about Ripple is decentralize or not i am talking about the potential of profit in Ripple.Well ripple will help and aids movement in banks, easy transfer of remitter payment and other that is why I encourage them