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The third time I saw someone ask "How does modularity relate to me," I probably still use the most straightforward explanation: For ordinary people, it may not make you understand the chain better, but it might make you feel less "stuck," "expensive," or constantly "switching." When execution, data, and consensus are separated, many experiences become: with the same wallet or app, you may not care which chain is running behind the scenes; what's more important is confirming transactions quickly and not paying outrageous fees. To put it simply, it pushes the "chain selection" process to the background.
But don’t be too idealistic... The bridges and message passing between layers or chains are actually more like weather overlays; cloudy days might be more hidden. I also see on-chain indicators leaning more toward "systemic": not just monitoring activity on a specific chain, but looking at data availability and congestion in the settlement layer as atmospheric circulation.
By the way, recently there’s been a lot of noise about NFT royalties, which is actually quite similar to the side effects of modularity: everyone wants transactions to be smoother and liquidity to be better, but the "sustainable income" for creators is being squeezed. In the end, users just see it as "more convenient buying and selling," but behind the scenes, rules are being split apart and reassembled... Anyway, that’s how it is for now, just observing gradually.