I am in complete agreement that XRP will never hit $10 unless the entire crypto market goes through the roof and/or the dollar collapses, however.
Personally, I believe XRP has more potential than Ethereum, and could hit much higher prices.
The whole banking system could benefit itself using the blockchain technology. SWIFTs are very expensive and slow, for example (about 45 usd and 2-3 business day).
XRP objective is to change that, through a centralized cryptocurrency. They see a problem, and made a solution.
10 USD is a ridiculous prediction now, ofc. But aiming at the previous 3 ATH is not that unlike to happen in the next years. As blockchain technology develops and become safer and more trusted, XRP may become the top banking solution out there.
THere are other cryptocurrencies, like chainlink, which are working on banking solutions.