Until segwit, lightning network etc. shape up and the wild bull/bear runs smooth out, BTC (and most other cryptos: see ETH and crypto kitties; or IOATA and their overrun nodes) don't really make sense for small transactions. I know LTC says they are the small transaction coin but I guess they'd hit scaling issues too if volume went up (and even if they didn't, speculators and crazy price swings would still make things tricky).
XRP seems less prone to wild speculation (much to the chagrin of some holders) but, afaik, Ripple are more focused on positioning XRP as a settlement layer for banks and big FX houses rather than as a day to day currency.
Personally, I think all of the above will eventually sort itself out. All the crypto currencies are still very young and the entire space is experiencing hyper growth. Teething issues, design flaws and bumps along the way are to be expected. One thing's for sure though, there's too much promise, money and interest in this space for everyone to give up and decide blockchain/tangle tech can't safely scale. It's just a matter of time before a winner emerges with the right formula.