Are we saying that we've outsmarted the institutions?

I see a lot of talk about being "early" and references to massive institutions (banks, tech companies, retail giants, etc) that are reluctant or adverse to getting into BTC, and it really confuses me.

These institutions are operated by some of the most consistently successful, experienced, educated, resourceful, and resource rich people who have ever lived. They are advised by boards who have access to valuable sensitive information that some of us can only dream of. Critically, they have access to many of us who work in those capacities as advisors, engineers, programmers, analysts, etc.

I find it incredibly difficult to believe that I've managed to identify a once in a generation opportunity to secure myself financially and make a lasting impact on the world, but Apple, Amazon, Alphabet, and Chase haven't. Or alternately, they've identified the opportunity but are so adverse to the subsequent order consequences that they actively attempt to bury the opportunity, even though it's supposedly inevitable.

Help me understand how any of this makes sense please, because at this point I'm just up to my eyeballs in my own hubris.