This is not totally correct assumption as many banks adopt this technology and connected to Ripple. This technology is gaining ground and we will see many new banks adopt it in near future.
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Bitcoin has a major rule in this market and all coins follow its trend. If bitcoin goes down then all coins are dropping and drop more then bitcoin and when it reverses its trend, they also start moving in the same direction.
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The bitcoin has a huge effect on the whole market as every coin follow bitcoin trend and whichever direction it moves, mostly all coins start moving in that direction, whether it is a possible or negative trend.
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I am not agreed with your thought as bitcoin is the mother of cryptocurrency market and if bitcoin dead then there is no hope for a life of this crypto world as bitcoin is an icon and a gem of this market and it will live forever.
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Till now, 2018 is not good for the whole cryptocurrency market and bitcoin is also a part of this market but bitcoin hold more then 50% of the total market value of this market. It shows that bitcoin is most stable then all other coins.
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