The only thing thats plain stupid about PAYI is holding it hoping this POS is not a scam and will begin reporting something of interest one day casing a pop so novice can run for cover at break even. Thing is odds are it will go to ZERO.
We call it dead money, as in BAG HOLDING worthless paper. Thats what sag3 is great at, finding crap, buying it, then holding to ZERO.
If you have not studied and made big profits using TA you might consider being wise and forgo your critical judgment of it.