Great post. Glad to see we're on the same page. I've been telling people the same thing about ripple. It's more a or less a good short term play. However, banks have spoken about creating their own system, and they will eventually create their own system. It also seems that MANY banks are partnering with ripple for the use of xCurrent (Ripple network without XRP) instead of xRapid (Ripple with XRP). It's interesting how the intermediaries (banks) don't want to rely on an intermediary for exchange (Ripple) lol.
I don't think NEO is going to disappear in the long run. People seem to forget that the Chinese will support Chinese products. I've also heard that their government is only allowing ICOs on the NEO platform. More reason for the east to be bullish on NEO. So glad I bought at $16 and forgot I had some until this pump.