How do you know Bitcoin payments are going down
https://www.reuters.com/article/us-crypto-currencies-payments-analysis/bitcoin-for-payments-a-distant-dream-as-usage-dries-up-idUSKCN1NP1D8
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You sure you aren't a sore altcoin loser? Bitcoin down means altcoins down as well, must be hard for you. 
Why the hell would I be bearish on bitcoin and buy some crap altcoin? No man, I've been shorting bitcoin since it was 18k, made some good cash and going to make much more when this posh is going < $1000 next year. While people like you've been dead wrong and lost so much money. And will lose much more cause you're still not seeing it.