Taking the velocity dispersion term into account in the Jeans equation describing the disk model, counterintuitively allows to reduce the local mass-to-light ratio at the outskirts of flattened galaxies, and stop the unbound growth of mass function. This is possible thanks to a more intertwined relation between the gravitational potential and the rotation curve than for spheroidal systems. This effect is illustrated on the example of galaxy UGC 6446 by finding iteratively the column mass density from the rotation curve supplemented with an isotropic velocity dispersion profile in the disk plane. Along with galactic magnetic fields, this effect would allow to reduce the local mass-to-light ratio at the galactic outskirts.