All cryptocurrencies are anti-bank. Ripple is the only company working with the banks and financial institutions. Banks have to buy XRP to process international transactions with Ripple's system. Don't worry about the large total and circulating supply. Every transaction a bank is process, a fraction of XRP will disappear and taking out of circulation forever.
Ripple only needs 10% of Swift's business to become a billion dollar company! Think about it, Ripple is going to do to Swift what Uber did to the taxi industry, Netflix to Blockbuster and Amazon to brick-and-mortar shops. Don't miss out like your parents or even you did.