Of course the CA has to gain the trust of the users... There are many
uses for client-based certificates: code signing, user verification,
email encryption, automatic mapping of user account to personal
certificates, blah blah blah. The business model of commercial CA's is
most certainly not limited to server operators only. While personal
certificate stores come with pre-trusted root certificates from many CA's
to automatically trust many server-based functions, there is a vast
market for client certs.