Well, as for the value of BTC we have a saying for that:"Thing are worth as much as the fool wants to give for it." This offcourse does not mean that BTC investors are fools. BTC for me seems still like a good investment buth nothing more than that. It's not usefull to make regular payements anymore. I believe the useability of BTC for regular payements was over as soon as it crossed the $1000. Since then things went really fast upwards and not only the value buth also the transactioncosts wich made it "out of reach" for small cryptoinvestors. If you have money and you are looking for a real long term investment, BTC looks still save to buy. For regular payement, i think Litecoin will be the more logical choise for a lot of company's.