From my experience following crypto trends and banking adoption, the points raised by David Schwartz about XRP resonate strongly with the evolving financial landscape. Many banks are hesitant to rely heavily on stablecoins due to their inherent ties to fiat currencies and regulatory controls that can lead to freezing of assets. XRP stands out because its decentralized design prevents freezing, offering banks more control and security over their holdings. Moreover, stablecoins' dependency on fiat currency means they do not appreciate in value, which limits growth opportunities for banks using them in liquidity management. In contrast, XRP's value can increase, creating potential additional revenue streams or capital reserves for banks that adopt it smartly. The flexibility and resilience of XRP have impressed several financial institutions aiming to integrate blockchain for cross-border payments and liquidity solutions. I’ve seen discussions where banks emphasize the appeal of not being bound by a single government’s monetary policies when using XRP, which aligns with Schwartz’s points. This makes XRP an attractive tool not just for operational efficiency but also as a strategic financial asset within the banking sector. Overall, these reasons are persuasive in understanding why banks might increasingly choose XRP over stablecoins amid a rapidly digitizing global economy.