Why target institutional investors? Why not just target retail investors and focus on steady user growth? If people actually are earning and spending crypto on games, platforms like Steem, etc, then it grows from utility.

The problem is the utility isn't good enough because the tech isn't good enough. Quite simply, it does not scale well enough to grow to billions of users. It's certainly plausible with Plasma, sharding, ZS-SNARKS, and other similar solutions that we will have the scaling problems solved sometime this year actually.

Once the scaling problem is solved then it's just a matter of solving the UX problem. The UX problem is the easier problem to solve. Coinbase for example is doing some effort to solve it with their Earn initiative.