It feels like you're try to explain something, how will it fail? what is the market missing?
They make a profit from a $6.00 fee every month on users with a balance and have introduced interest free payment options to pay like 40,000 billers, they've expanded overseas, they've mentioned margins to be squeezed due to advertising and push for overseas markets... the list continues 2-4% charge to merchants on transactions, they have an app that they could use to their adventage also, they're clearly lining things up for some sort of 24 hour sale....
Can you explain why it will go down? you keep saying down it will go, but HOW you fail to explain yourself?
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