Having a building and a weekly offering to help the church keep the building.
That's a pretty narrow definition of "institutional."
One of the problems with small, independent congregations is that they are not able to fulfill some of the specific purposes churches are supposed to fill.
“Truly I tell you,” Jesus replied, “no one who has left home or brothers or sisters or mother or father or children or fields for me and the gospel will fail to receive a hundred times as much in this present age: homes, brothers, sisters, mothers, children and fields -- Mark 10
A hundred mothers isn't going to fall out of the sky. That's supposed to be the congregation. A home church can't keep Jesus' promise.
All the believers were together and had everything in common. They sold property and possessions to give to anyone who had need. -- Acts 2
All the believers were one in heart and mind. No one claimed that any of their possessions was their own, but they shared everything they had. With great power the apostles continued to testify to the resurrection of the Lord Jesus.
And God’s grace was so powerfully at work in them all that there were no needy persons among them. For from time to time those who owned land or houses sold them, brought the money from the sales and put it at the apostles’ feet, and it was distributed to anyone who had need. -- Acts 4
Again, it takes a large congregation for the Holy Spirit to provide enough rotating resources to make sure there are no needy persons among them. This isn't manna from the sky, this is talking about the Lord using stewards of His wealth to provide for those who are not wealthy.
And in more detail of that process:
Our desire is not that others might be relieved while you are hard pressed, but that there might be equality. At the present time your plenty will supply what they need, so that in turn their plenty will supply what you need. The goal is equality, as it is written: “The one who gathered much did not have too much, and the one who gathered little did not have too little.” -- 2 Corinthians 8
This is even bigger than a single congregation. This is a concept of multiple congregations moving resources between them to make sure every congregation in the entire Body of Christ is getting its needs met.
That's how Jesus intends resources to move within His body. There's not supposed to be one part of the body fat, hoarding resources, while another part of His body is starving. As one pastor has said, "Christ has given His Body has all the resources necessary to maintain His Body."
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