It appears that to make every human activity profitable, we have put institutions behind them.
The institutionalization of everything from education to religion, sports and storytelling was the great invention of the 20th century and the greatest undoing of human agency.
As institutions like FIFA in soccer, the public school in education and Big Pharma in human wellness took off, billions of dollars were siphoned in value by simply limiting agency of people to enjoy a soccer game among friends, home-school kids and make natural remedies at home to cure simple ailments like common colds and headaches. The commercialization of these things was more about limiting people from doing things in their own unique ways and getting them to pay for these things.
Fortunately, the Coronavirus pandemic raises many questions about human over-reliance on institutions that should make us realize that human agency still matters.