Assortative networks form highly clustered nodes groups. This is what a system such as lightning starts as (due to the need to route packets and no Peer routing existing) when small. It is a typical loose mesh form.pic.twitter.com/PIX2ssMJKj
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banks won in the past already. hence, they rule. so banks winning this time around is a possibility. as a friend of mine succinctly described it: Banking 3.0 is #LigthningNetwork + #Bitcoin 

No, what you are missing is banks will not need LN or BTC... they are already playing... If it does go that way... no crypto has a single need
Ripple is looked at to copy, not to use... The issue with code non centralised but control centralised systems (Ripple) is the banks are already working to copy and replace. They will take Ripple, but they will not need XRP So, zero value Already underway
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