The decomposition of the 21 cm rotation curve of galaxies into contribution from the disk and dark halo depends on the adopted mass to light ratio (M/L) of the disk. Given the vertical velocity dispersion (σz) of stars in the disk and its scale height (h), the disk surface density and hence the M/L can be estimated. Earlier works have used this technique to conclude that galaxy disks are submaximal. Here we address an important conceptual problem: σz and h must pertain to the same population. Our analysis concludes that previous studies underestimate the disk surface mass density by ~ 2, sufficient to make a maximal disk for M74 appear like a submaximal disk.