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 (hz), 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: star-forming spirals have an old (kinematically hot) disk population and a young cold disk population. Both of these populations contribute to the integrated light spectra from which σz is measured. The measured scale height hz is for the old disk population. In the Jeans equation, σz and hz must pertain to the same population. We have developed techniques to extract the velocity dispersion of the old disk from integrated light spectra and from samples of planetary nebulae. We present the analysis of the disk kinematics of the galaxy NGC 628 using IFU data in the inner regions and planetary nebulae as tracers in the outer regions of the disk. We demonstrate that using the scale height of the old thin disk with the vertical velocity dispersion of the same population, traced by PNe, results in a maximal disk for NGC 628. Our analysis concludes that previous studies underestimate the disk surface mass density by ~ 2, sufficient to make a maximal disk for NGC 628 appear like a submaximal disk.