I have recently been studying about the bicarbonate buffer in the blood and have a doubt regarding the concentration of carbonic acid in the blood plasma.
My understanding of the buffer system is that about 85% of the total carbon dioxide in the blood diffuses into the red blood cells. In the RBCs, $\ce{CO2}$ reacts with water(catalysed by Carbonic anhydrase) to form carbonic acid($\ce{H2CO3}$), which dissociates into $\ce{HCO3-}$ and $\ce{H+}$. The $\ce{H+}$ binds with haemoglobin, and the $\ce{HCO3-}$ is released into the plasma by a chloride shift.
The doubt is how does $\ce{H2CO3}$ form in the blood from $\ce{HCO3-}$ to have an equilibrium with it and to form the buffer system.
I initially thought that some $\ce{HCO3-}$ would bind with the auto-ionised $\ce{H+}$(aq) ions to give $\ce{H2CO3}$, but the concentration of $\ce{H+}$(aq) is miniscule(about $4*10^{-8}$ molar) as compared to the concentration of $\ce{HCO3-}$(between 0.022-0.032 molar when in equilibrium with carbonic acid) and thus would not react adequately with $\ce{HCO3-}$ to give the concentration of $\ce{H2CO3}$(0.0011-0.0016 molar) required for the buffer to function.
Therefore my question is how can there be a 1:20 ratio between $\ce{H2CO3}$ and $\ce{HCO3-}$, if there is hardly any hydrogen ion concentration for $\ce{HCO3-}$ to form carbonic acid.
I have looked at multiple articles regarding the transport of $\ce{CO2}$ in the blood as well as the bicarbonate buffer system, but none of them explain how exactly does the carbonic acid form in the blood.
Some of the articles/videos that I have looked at before posting the question:
https://courses.lumenlearning.com/wm-biology2/chapter/transport-of-carbon-dioxide-in-the-blood/