Its also already been shown banks will develop thier own tech and use it as the canadian central bank did sending cross boarder transfers using JPM tech. Already the banking industry has done what XRP has been trying for years. It took them a few months.
One the one side people talk about sovereign-coin or jihan coin. On the other side people talk about sovereign-coin or Adam back coin. IMO those types of arguments appeal to emotion rather than intellect, so I try to stay neutral by talking about big or small blocks.