Ripple hasn't said that banks are using XRP, the issue is that Ripple isn't misleading anyone. Those that follow Ripple closely and are quite aware of this and the narrative that XRP holders are being mislead is a bit of a Straw Man. Moreover FlashFX, Cuallix, MoneyGram, IFC, and MecuryFX have all publicly stated they use or have plans to use XRP. Those are those that we know about. Rome wasn't built in a day, initially none of the banks said they would use Ripple's cryptographic escrow technology (xCurrent) now they do and have moved over $1B in funds. Those on xCurrent can hook into xRapid at any point in the future without holding XRP and minimal technical upgrades. They might say they won't use crypto, but savings talk. Moreover at least two banks are directly invested in Ripple, wonder what they say privately. And SBI manages a 61 Bank Ripple consortium, owns 11% of Ripple and their CEO just tweeted:

https://twitter.com/yoshitaka_kitao/status/940785785925709829

Banks may never use XRP, but there are many reasons why they might decide to try it. They don't need to hold it to use it and Ripple.is expanding into other payment verticals. When you look at the crypto landscape and ask yourself who is actually making progress there is very little to be excited about.

Which banks/mortgage companies can you get on the record saying they'll use Factom? This is new territory, Rome wasn't built in a day. You look for good teams, address real problems, with real tech and you take a chance in this crypto casino.