Institutional users aren't regular consumers, but institutional users are more likely to benefit (in the short term at least) from the programmable money aspects.
That is my point though. Institutional users may be more likely to benefit from that but they aren't going to want to give up control. So that leaves only regular users as a driving force behind it.
There is a reason IBM, UBS, etc are building blockchain research centres and not just throwing their weight behind bitcoin itself.