Because for the past decade XRP has been hard at work behind the scene setting up the "railroads" with countries all over the world and throughout Southeast Asia and China. All the foundations have been set, and with the help of other utility coins like Hbar and XLM which will be support for security and efficiency. It's a lot and you need to do own research I can't answer all your questions here and can only give you a general idea. Right now the price of XRP and other utility coins are just a reflection of retail. Wait til they pass regulatory laws to make it "safe (avoid lawsuits) for institutions to buy and they'll be loading that up. World runs through digital money flow and ledger makes it secure and prevents stealing, laundering and corruption, such as the case with USAID where we couldn't track every penny.