I've been underwater for a while, but I still want to say: the biggest change that modular chains bring to ordinary people is not "more advanced," but that using them might feel more like using a bunch of assembled services. Previously, a single chain handled execution, data, and consensus all together, and if something went wrong, you just blamed that one chain; now, after splitting everything apart, the same operation in your wallet might have to cross several layers. The ultimate experience, ideally, is cheaper and smoother, but the problem is it's harder to tell which part is malfunctioning when things go wrong.

Recently, cross-chain bridges have been hacked again, and after oracle errors, everyone collectively "waits for confirmation." Basically, the more modules there are, the longer the trust chain becomes, and people tend to instinctively hit pause first. I personally prefer to be more conservative: avoid cross-chain if possible, and even when doing LP, I'd rather earn less than risk it. First, figure out the exit strategy... Anyway, living longer is more reliable than getting rich overnight.