I'm no financial expert, but I don't understand why it matters that 88% have been produced. Each bitcoin can be split into a lot of pieces. The satoshi is currently the smallest unit of the bitcoin currency recorded on the block chain. It is a one hundred millionth of a single bitcoin.

So if the market cap was 10 trillion rather than 42B, instead of your Big Mac costing 0.00157btc like now, it would cost 0.000006594btc. Why is that a problem?