I "finished" (e.g. wrote all the scenes; need to trim the fat and sweep up the droppings) the first segment of a novel. One reviewer, a several-novel published author, picked up on a somewhat-telegraphed plot point and said, "If that's your payoff, that's not enough. It needs to be something better." I hadn't intended for that thing to be the payoff, but more or less because I hadn't really settled on a payoff yet, which was probably something I should have decided on at the start. Now I'm kind of freaked out because I don't know what to do, and all I can do is stare at the gaping hole in my plot. What constitutes a valuable payoff in a novel? It's a bit of a "hero's journey" story, except that there are two primary characters. I've read other novels where two characters change over the course of the story, but usually it's a yin/yang thing. I'm trying to craft something where a young couple who don't really know each other well at the start grow together over the course of the novel to the point where they operate nearly as a single unit by the time the novel ends. That, to me, is the payoff. Is that good enough that people will want to read it?