I agree with you. but I have a question that is a little disturbing to my mind, is mining bitcoin is still effective to get profit with the remaining 15% bitcoin?
The article mentioned how transaction fees can remain profitable for miners even 20 years from now, after several block halvings down to below 1 BTC per block.
It will be another 12 years from today and then 99% of all bitcoin will have been mined, and the block reward is 0.78125 BTC.
2012 25 10500000 75.00%
2016 12.5 15750000 87.50%
2020 6.25 18375000 93.75%
2024 3.125 19687500 96.88%
2028 1.5625 20343750 98.44%
2032 0.78125 20671875 99.22%
The final 1% will then take another hundred years, you can probably ignore the supply at that point and just focus on how much adoption and demand will be and how that will affect price.