Few arguments are as stupid as The XRP militia trying to convince someone who runs his own lightning node how XRP is such a great inveatment because SWIFT sucks. Yes, SWIFT sucks, but download Primal and I'll show you how fast I can send bitcoin. THEY DON'T WANT FAST PAYMENTS! They want more fiat. XRP is a pump and dump sheme to help them fleece suckers who don't know any betfer.