Your problem is you have no idea what Ripple does, and how fast it does it. Compounding this is you have no idea what's actually involved in moving money internationally in our current system Banks can move money sure but it's slow even if it's currently "all electronic". Even with a priority time of 1 to 2 days, it usually takes 3 to 5 days (and at quite an expense) to actually settle international funds transfers. Your argument is like saying "well amazon can currently deliver packages just fine with the current system of paying delivery people... why would they want to use a proven automated system that speeds things up and saves a boat load of money" I've used XRP to transfer funds from various exchanges and it's truly mind blowing I can have a settled transaction in seconds and it only cost me 25 cents.... Vs what? paying $20 network fee and waiting 8 hours for bitcoin to settle?