It's debate time guys, please, somebody argue me on the fact that Ripple is utterly over-priced and how Ripple will succeed. Why would banks adopt Ripple where 40% of the tokens are in control of 3 accounts (not the banks)? What kind of financial incentives do banks have for adopting Ripple opposed to creating their own centralized digital currency on a permissioned network? Please if you have an educated response, please comment and inform me of what I am unaware of. I will be posting a debate article daily on a vast amount of topics and if rewards of the post itself gets a fulfilling spot on the trending page, the commenter's with educated arguments will earn a portion of the rewards on top of the rewards they make on the comment itself. Let the debate games begin!