The sudden surge in Ripple's value has left many of us wondering if Brad Garlinghouse's vision of a blockchain-based banking system is closer to reality than ever before. Can we really imagine a world where traditional banks are replaced by decentralized, transparent, and efficient blockchain solutions? The prospect is both thrilling and unsettling, raising questions about the future of finance as we know it.

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Ripple's surge is indeed exciting, but it's essential to note that replacing traditional banking systems will take significant regulatory and infrastructure changes. A hybrid approach, where blockchain complements existing systems, might be a more realistic and likely outcome.