Read this post> https://www.reddit.com/r/TenX/comments/7b53j3/value_of_1_pay_token_far_off_currently#thing_t1_dpfqx5z  to understand how other people might see the situation. Personally, i think we are many many years away from commit to become mainstream, i think we have at least 10+ years of dividends from card usage. The team sits on more then 50% of all PAY tokens as well, so it is not in their interest to make these tokens worthless. They will probably try to increase the value of the tokens rather then remove its value