Agree. I like ripple but only for short term. Great idea, great start up. Their BIG problem is when the bankers decide to DIY & ripple gets dumped in favor of "in-house" systems.
How long that would take I'm not sure.

Steem is also under 'attack' by competitors, and while steemit has a good start, the questio is how well they can manage growth. So far not looking that good IMHO. (based on reports of churn ratio of new users)