Adoption will come when we earn in bitcoin. When we earn in bitcoin we are then more likely to spend in bitcoin.

The institutions have little to do with adoption, therefore.

Individuals insisting on being paid in bitcoin (even if it is something like Americans who today can do this simply by giving their employer their bank account number and routing number for direct deposit into Strike) is what will cause adoption. What would be the incentive to cause you to want to earn in bitcoin? Maybe a hyperinflating fiat. Maybe higher taxes making earning from a side hustle more valuable (versus income earned from traditional employment), etc.