Why the dissapointment? Crypto market is market. It was only matter of time for banksters to release that they need to keep up with technology. Also, its up to individuals to invest or not. I personally started my crypto journey because I could not stand the way the banks and other "middleman" institutions work , so I'm staying away from Ripple. I'm not speculant and really don't like the way this project is managed (centralized). But as I said, its free market, and as long there will be demand, they can do whatever they want. But without me. Only my 2c.