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I recently got a bit scared: a few days ago, I almost impulsively confirmed on a new chain, then I realized it had separated execution, data, and settlement into pretty "modular" parts. To a end-user like me, the interface looks the same, but the risk has actually just shifted... Previously, you only worried about whether the chain itself was stable, now you need to take a quick glance at: who is responsible for data availability, which cross-chain message route is used, and if the bridge glitches, everyone could get stuck. Honestly, modularity didn't make me "earn money faster"; it more like spread out the puzzle for you to see, and missing any piece could cause issues.
By the way, seeing the NFT royalty debate flare up again feels quite similar to this: creators want certainty, secondary markets want liquidity, and in the end, it comes down to how protocols/markets split power and rules. Anyway, now I take an extra two seconds before placing an order—better to be slow than to realize only after a bridge warning about bad weather that I need to fix the security model.