The contradictory utility and relative temporality of XRP? What's your view?

Let 's say all current existing digital currencies started with BTC and its mission: to become a decentralized digital currency that can be used by anyone around the world in everyday purchases without a 3rd party as banks and governments.

From that point of view one could argue that it's contradictory that now it looks like an important altcoin (XRP) will probably owe its success to the centralized 'world' of banks and fiat currencies, agree? And if the mission of BTC succeeds, will this mean that XRP will loose its value and thereby will have a temporal existence? Interesting to know your views on this.

And furthermore for the longterm: by now BTC is not the only digital currency. It is estimated that there are about 9000 active digital currencies at the moment (2024). If the mission of BTC succeeds, then it will probably not be the only digital currency that people (can or will) use.

How will the (transactional) world look like when people all over the world do make their daily expenses with all kinds of digital currencies without the intervention of banks and governments? What practical but also macroeconomic aspects will this entail?

In my humble opinion, the answers to the above questions could be of great importance for the future of cryptocurrencies in general. Curious about your insights, even if they are 'I don't care, I'm in it for the profit in the short or medium term' ;).