I don't quite understand why coins such as ripple are being valued so highly. The biggest issues for cryptos right now is use cases and usability. There are definitely people who would not understand how to set up wallets or sending to public addresses . I believe there needs to be a compelling use case other than transaction speed/costs to force people to take a look at adopting crypto. We need a platform for third parties to build end points. Especially since lightning network could potentially be a feature.

It boils down to the question, is transaction speed scalability the biggest issue right now?

Not hating on ripple or any cryptos like it. Just trying to understand the consensus at the moment.