I agree with you that Ripple solves a lot of problems and am skeptical about the application of blockchain to everything, when why not just use an encrypted database.

https://www.crypto-news.net/while-blockchain-exploded-in-2017-has-it-grown-up/

I'm unconvinced about medical records, honestly. But, I'm with you on everything else. My partner in publishing my monthly newsletter is a CEO of a small company trying to solve medical records problems and in his mind we're a long way from any functional solution if it's even necessary.