So I think if say 10 years from now there is alot of transfering of coins through trading or spent by sending to businesses etc then the amount of coins growing that year may be less than 5% because of the 20 day delay after each transaction. The max growth would be 5% per year but in reality it would be much much lower as this is assumign there are no transactions and everyone is HODLING?
I think I got it right. Anyone?
That sounds perfectly logical to me. I would say you are correct.