XRP - the new world currency?

I'm sure, you've heard of XRP as a new world currency in the last months.

I have the following question to the XRP fan community or XRP believers:

Have you ever thought about the following points?

There are 100 billions of XRP. If only the HALF of the people on this planet would use XRP as WORLD CURRENCY, then at least 60 out of the 100 billions alone would be needed for ONE wallet PER person. To create an XRP wallet, there are currently 20 XRP used to activate an address. So if ALL the people in the world had only ONE wallet per person, the current number of XRP tokens would not even be enough!?!?
Further, consider the COSTs of creating a wallet. If 20 XRP tokens are needed and an XRP token could be - lets say - worth at least 100 dollars, then 2000 DOLLARS would be needed to create ONE wallet!? WHO should be able to pay for such things except the banks and early adopters!? So I'm very skeptical with the new world currency.

Please, may be you can explain to me in the comments how the problems should be solved?

Btw: You should definitly take a closer look at the magazine cover of "The Economist from Oct 31st - Nov 6th 2015".
Does that look like XRP or Bitcoin?

Thus, the conspiracy theories around the new world currency would be perfect.
There you have your conspiracy symbols..! Please look at this magazine cover..

The pyramid with the all-seeing eye (as on the 1 dollar note)
The sign of "infinity" in mathematics - Which also stands for "wholeness" and "long resistance" or a vicious circle, for example in the form of Ouroboros, a snake that bites its own tail.
What I find most insane is replacing the phrase "In God we trust" with "In Blockchain we trust".

In other words, the blockchain is set above God

But back to the main topic..
I think the central banks know exactly that the only real opponent is Bitcoin.

So they announce partnerships with ripple and banks and so on.. So many people believe XRP will be the new world currency.
I've read so many times on Youtube in the comment sections that all people are selling their BTCs for XRP now. The bigplayers are not getting any easier on BTC right now.
It may be that XRP is needed for Xrapid, but who guarantees that the token will increase in value?
Maybe Xrapid is easy to copy? It is a protocol.. A system similar to Windows (I mean it can be copied and operated everywhere. Of course it's a kind of network and blockchain. But this system could also be operated on an intranet or as an intranet).
If it is used only within the banks, the XRP token will not benefit. It would be isolated - similar to the Bitcoin OTC transactions the past months.
Some banks have mined Bitcoin the past 3 to 5 years. Would you do that if Bitcoin is worthless?

Think about that

At the moment the circulation supply of XRP tokens in the market is increasing.
So XRP tokens are gradually being sold.
Would you do that if the frozen XRP tokens are to fulfill for controlling inflation over the next few years?
The frozen XRP tokens are gradually being sold to the hungry people who now think that XRP will become the new world currency.
At the same time, these people sell their bitcoins as they continue to fall in price..
Afterwards it turns out that the XRP token does not benefit from the use case of the banks. There is a huge sell off and XRP drops to zero. Do not forget, banks can continue to use it, it is finally only a transfer protocol.

No magazine reported that the token gains in value.. it's pure speculation.
Even Bitcoin haters have not said that XRP would make everyone rich. I only read everywhere, ripple cooperates with banks and yes, the XRP token is used for Xrapid. But maybe in an isolated system?
I will buy some XRP, but I do not believe in it. Banks are corrupt and our financial system is close to collapse. Who will trust banks in the future?
I know from confidential sources that central banks are interested in Bitcoin and buy! Does that sound like something worthless? Think on The Economist cover Oct 31st - Nov 6th 2015..