ok..the premise notwithstanding, i would imagine if by institutional you mean >$100 million OPM/ other people's money, the return distribution for that group is probably much different from the retail side, where you just have to look at reddit wsb or crypto tiktok/discord to see how there's no shortage of teens YOLOing on a few bets and a few lucky ones making it from that group
in the current climate c. 2022 (post-gamestop era, with inflation, macro turbulence, crypto gone mainstream, bitcoin derivatives market in notional trillions range), the upper end of returns distribution probably looks very different from the traditional era, or even a few years ago
bottom line is, you gotta think big, the upper end of returns distribution in the retail group is probably insane given 24/7 crypto derivatives trading, all sorts of leverage, some on alt-coins etc
also a few years ago, there was a japanese day trader profiled by bloomberg who made like $200 million USD just trading plain vanilla stocks and futures, he's still going strong/ posting on twitter etc, so i suppose at the minimum one option for ppl concerned about safety is you can move to japan if you're in that range