I think that Ripple is a project that is likely to lose its position in the near future, because many banks have opposed the use of the Ripple project, so it will no longer be needed. I do not understand its necessity
That's wrong. I know it's what you hear on the forums etc and believe it but I would suggest you do some research. It seems like newbies to the crypto world see everyone hates ripple and thinks it's cool to follow.