To be honest, the banks make a lot of their money from the exoribiant fees, I think that the barrier it would take for rich people to use and trust a volitial assest such as ripple, would take a lot of effort. I personally think that ripple or even crypto curencies in general. So i think that it is actually better for the banks to keep the fees high I means the business model is working. But then again I am new to crypto, if you have any comments please reply.