People will pay as much for 1 BTC (or for 1 mBTC) as they think it's worth when they buy it, this includes actual value (what can you buy with it?) as well as speculative value (how much will it be worth in a year?)
If at one point in time you can get a great smartphone for 25 mBTC then $10k for 1 BTC is not too much, so you will gladly pay $250 for 25mBTC to get your smartphone. If you want to buy a car that's offered for 2 BTC youll probably even buy 2 BTC for $20k.
You will just be a bit mad that you did not buy some BTC when they were less than $400.

Onkel Paul