Can someone educate me on XRP? How does the way Ripple intends XRP to be use...

Can someone please educate me on XRP? i.e. How does the way Ripple intends XRP to be used (e.g. simply as a highly liquid "bridge" to allow for banks to conduct international transfer) benefit the price of the XRP token for token holders?

I mean, wouldn't it simply be a case where the bank buys whatever XRP that is needed, and then XRP gets sold off on the other side immediately back into Fiat?

The coinburn per-transaction also doesn't seem to help boost the price that much. I can get much better yield investing on other (selected) altcoins.

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also in contrast with XRP, its direct competitor, Stellar also functions as THE bank itself (where the fees collected are periodically distributed to holders) + as a decentralized exchange of non-ERC20 altcoins (StellarPort), thus encouraging people to keep and store up XLM too. Further more, it is also capable of handling dDapps, plus it is already increasingly being adopted by the small businesses, and small banks, and the people themselves in developing countries (which have a great potential for mass adoption to kick start it's growth, and later spread into other developed nations). Stellar operates as a non-profit organization with a goal to serve the common people rather than mega corporations and banks.

The Stellar code was also re-developed from ground-up base on what Ripple's founder (who had left Ripple) learnt from his experience/mistakes while building Ripple network for the for-profit company.