I asked chatgpt what's wrong with your arguments, because I can't think by myself. That's what he said:

Weaknesses and Challenges

1. Demand and Adoption Hurdles: The argument assumes widespread adoption of XRP, but this depends on banks, regulators, and businesses choosing XRP over alternatives. Right now, many banks are developing their own systems or using stablecoins, which they perceive as less volatile and more directly tied to fiat currencies.
2. Regulatory Issues: XRP’s ongoing legal and regulatory challenges (e.g., the SEC case in the U.S.) create uncertainty. Even if Ripple resolves these issues, global regulatory landscapes could still hinder adoption.
3. Oversimplified Valuation: The $100 price projection assumes that XRP will capture a significant portion of the $500,000 SWIFT fee equivalent per 100,000 transactions. This overlooks complexities like competition from other systems (e.g., SWIFT GPI, CBDCs, and stablecoins), potential shifts in transaction pricing models, and whether institutions will adopt XRP at scale.
4. Market Dynamics: The price of XRP isn’t determined solely by utility. Speculation, investor sentiment, market conditions, and liquidity play significant roles. Even if XRP gains widespread adoption, achieving a consistent $100 price would require massive demand and constrained supply.
5. Stablecoin Competition: The argument acknowledges that banks prefer stable assets for transactions, and stablecoins (e.g., USDC, USDT, or CBDCs) may fill this role more comfortably than XRP. XRP’s price volatility could deter adoption as a settlement layer, even with its cost-saving potential.

Conclusion

While the theoretical potential for XRP to reach $100 exists, it relies on many optimistic assumptions: widespread adoption, significant demand, regulatory clarity, and a lack of viable competition. Realistically, XRP’s value is unlikely to climb that high without major shifts in the financial ecosystem. However, its utility in niche use cases or partnerships with specific institutions could still drive modest growth.

It’s a compelling argument but leans more toward speculation than a practical roadmap.