everything is dangerous - but yes crypto world dangerous as it allows dangerous activities like crime (pay for illegal goods, store and transmit child porn, terrorist smart contracts..) but removing it altogether is not solution.  cloud services are dangerous though (AWS, Azure, etc) because people can use these in same dangerous ways such as encrypting their communications.

If this is a service for establishing loans why the brand choice of 'payday'?  A payday is when an employer or recipient of a service pays which has nothing to do with lending.

It seems like you are attempting to develop a data marketplace, where people can buy or sell data.  Some quick questions?  How is the data stored and transfered?  On a blockchain?  If so how do you deal with the very high throughput of big data?  If not how do you deal with trust issues and quality of data?  A ratings schema?  

Every day about all sorts of things in the coin world.
Don't forget to breath.  And always 'sleep on it' given big decisions.  If the pump is not a pump and dump there will be time to jump on the rocket, a la Luna, and if it is really crashing then it will probably be jumping up and down a bit because of the volatility of coins so you will get chance.
Never act without at least making note that you are panicking.

oh shit, event triggers?  api events?  oh that is so neat.  can't wait to see if it is easy or hard as a developer to make use of the contracts (and events) that etherparty is going to have.  way easier to keep track of old contracts if you don't have to keep checking them.

In the short term 'hype of the utility'.  Then in the long term development and usage.  Utility doesn't mean anything unless the coin is developed and a usage base then to actually use it which requires marketing.  Too bad coins with great utility were not developed or marketed right.

As someone who was homeless as a youth i think that this tactic is only going to be useful in a few geographic locations. I bet it would work for him in the Bay area

I would just like to thank everyone who chimed in with information. It looks like I should try a couple of these apps out and see if they are more useful for me.

I really doubt that ICO complication has anything to do with the success or failure of a token related venture.  Maybe a smidgen of correlation given the very few technically inept people who actually take part in these.  What matters if they have a vision ("techy" or not), legit devs, and a decent marketing team.

Knowledge of crypto is already common, however it's mostly misconceptions about it that are common knowledge. Think about it being like how the older generations thought of the internet in the 1990s. Give it another 10 years and it will be used daily and just another aspect of our lives.

I see it changing things for some people that I know but for most people not just yet. So yes crypto is changing the world of finance but it hasn't become widely useful just yet. I think it will be though.

"Invest only what you can afford to lose."
This cannot be stressed enough. Do not play games that you cannot afford to lose. If you are stressing every day about minor market fluctuations then get your money out of volatile markets and into slow growth investments.

gosh it must be so wonderful wherever it is that you live. where pray tell is this land that is so completely free from oppression, corruption and incompetence?

This sort of situation is exactly why i long ago stopped taking paypal as a payment option in my online sales. I am terribly sorry to hear that you are being scammed out of such a large amount.

Yes like any investing hire an accountant and keep track of everything. This is a place where paying a professional is a good idea.

Thank you Bob123 for such a clear and concise answer to ops question.

it's getting almost kinda religious in here, the lords name is crypto, and crypto will save your soul.
i just like investing and tech and seeing where the future of civilization might be headed.

hopefully consider it a lesson learned in jumping too soon. look at the general trend of where things are going. you will get back to where you invested. if you get jumpy again and try to cut your losses it'll probably just then immediately rebound.

The metrics involved in the valuation of property is about as complex as the process for determining the value of crypto currency. Kidding aside this is great news and I hope to see more places allowing this.

"Segwit2x fork that has been announced for 28 December proposes to redistribute Satoshi Nakamoto’s coins. "
This is interesting. Is there any reason to think that Mr. Nakamoto is not alive? How would you like it if the community you created decided to divy your loot while you were busy elsewhere?