If XRP eventually gets adopted and takes off, how will the fluctuating price affect the parties involved in a transaction?

If a bank receives a payment of $1,000,000 worth of XRP for something and the value tanks that day, will they have to eat the loss? Or if the value skyrockets that day, do they report the difference as earnings?

What’s to stop big institutions from deciding when to send payments based on the live price of XRP?

I may be completely overlooking something but the volatile price seems like something that would need to be monitored