If I thought PoG would lead to a doubling of our active user base over the next year, I'd probably feel differently as user base would support the price and make up for the production cost deficiency. But I don't see Pog as being a magic bullet that will fix everything.
Make up in volume. Sometimes organizations go out of business thinking they can make it up on volume. Sometimes you can, but you really need a good plan to succeed and gain market share. I think PoG has that potential. Once the algo is locked down and proven to work (although I have my reservations currently), it'll be a marketing game. Good marketing includes word-of-mouth, so having more participants definitely helps with that. My concern is that greed is a very powerful motivator... and there will likely be many participants... but is that the kind of community we want to attract with BiblePay? It seems anti-thetical to Christian values.