Not intending to be an XRP shill here, really. Lol.
I'm a Systems Architect. My experience has been that predicated questions create predicated conclusions that often limit growth E.g., If 640K of memory is more than anyone will ever need, why would anyone ever choose to buy a more expensive computer that has more memory? (Yes, this was a real debate back in the 80's.)
At this point in time, the only thing I know for certain is systems, processes, and norms constantly evolve. So, it's just as fair to ask "If XRP is more widely desired than a crypto dollar, why would they choose to use a crypto dollar?". Maybe they will, maybe they wont. Either way, I look forward to hanging out with you and this fine group while we watch how the crypto space evolves.