Someone just brushed over ETF capital flows and US stock risk appetite and linked them together, then casually inferred crypto should go up or down... It looks a bit like the cup is too hot but still forcing a sip.

Back to the modular chain thing, for a user like me, the end user, it doesn't feel that mysterious: if it's well-made, it means more stable transfer confirmations, fees that don't fluctuate wildly, wallets that don't freeze unexpectedly, and cross-chain transfers that don't feel like moving house every time.
Honestly, I don't care how it splits "execution/data/settlement," I just want to use it like drinking warm tea—smooth and easy, no choking.
If splitting it results in more bridges, signatures, and risk warnings, that would be a burden for me... I'll wait and see, take it slow.