One question that keeps hitting me about Ripple is how a citizen like me be able to maximize its use.. 

Perhaps when online freelancing hubs such as Upwork starts accepting Ripple as payment..?

If that happens, then sending funds from my Upwork account straight to me will be processed in a few minutes. To convert it into fiat and withdraw into cash, I will have to wait for Ripple to be accepted by local banks as a monetary token.

In this way, I can send Ripple directly to my bank account.