The word "modular chain" has been heard so much lately that it's starting to get tiresome, but for us end users, honestly: just clicking on a Swap, with a few extra layers of "assembly" behind the scenes, might be cheaper, but the pitfalls could also be more hidden.

In the past, I would just look at a pool, check the routing, and estimate the slippage; now I also have to casually glance at which DA/settlement layer it’s on, how the bridge is connected, so I don’t go in blindly and find out that withdrawals need to cross three times and wait in line.

The set of RWA (Real-World Asset) products that use US Treasury yields as a comparison for on-chain yield products is also quite popular, but I’m more cautious: the yields look similar, but the risk structures are completely different, especially after layering in modularity and cross-chain features, any layer failure can get you stuck.

What I fear most isn’t losing money, but losing control: I accept losses, but I’m most afraid of confirming a transaction only to find that the money is "on the way," and I can’t even clearly identify which layer the problem is on.
Anyway, I’d rather go slower now and take a few more looks.