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What are you talking about? Banks use XRP for transfers, that's the whole point. That's why the transfers are almost instant and way cheaper. Did you think it was by magic?
This will be the first coin to reach the trillion dollar marketcap. This is the one world Currency, you will receive your salary in XRP one day.
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A blockchain consensus algorithm claiming to value peer review needs to consider who they consider their peers and all such reviews should be public. In the blockchain space, our peers are other blockchain technology companies

In other words: If the block chain is not decentralized like bitcoin... your missing the whole point of the technology. The ethos of bitcoin is to achieve monetary sovereignty! Ripple doesn't help you do that. Does it?