The word "modularization" sounds very grand, but for end users, the most direct changes are just two: it feels more fragmented, more like assembled internet components. Today this chain handles settlements, tomorrow that layer manages interactions, wallets jump back and forth between networks, and honestly what you feel is "transaction fees occasionally being cheaper, but the experience sometimes more fragmented." Security and trust are also separated; previously, criticizing a chain was straightforward, but now when issues arise, no one knows who to blame anymore.

Recently, the NFT royalty water wars also seem like a side effect of modularization: each layer wants to carve out some benefits for itself, resulting in users and creators caught in the middle, and liquidity isn't happy either. Anyway, I'm most afraid not of losing money, but of every incident happening without anyone taking responsibility, ultimately just blaming myself for not seeing it clearly. That's all for now, continuing to stay low.