Just woke up and saw a bunch of people discussing modular blockchains. To put it simply, the most intuitive change for end users isn't about words like "more decentralized," but rather: whether a single operation is expensive, laggy, or might suddenly fail. When execution, data availability, and settlement are separated, costs become more like itemized bills—you pay for the congestion at each layer; this also resonates with me, someone who watches interest rate curves: the funding costs across different chains are more easily "transported," but collateralization ratios and liquidation thresholds follow cross-chain movement, so risks don't just disappear. By the way, hardware wallets are almost out of stock lately, and a bunch of phishing links are everywhere... No matter how modular the chain gets, the signature still requires your own click—don't cut corners just to save effort.