in one of the interviews of Brad G., at Swell, he said something along the lines of when we look at crypto we automatically compare to BTC. If you compare to BTC, yes, XRP seems a lot, but when you consider the Trillions that are sent around the world by banks, payment providers, etc., XRP is not enough- at current prices...

add in what SBI states, that they believe and want XRP to be the global standard, that they want to make a "revolution in payments" and how they are going about it, the price of XRP is limitless.