The term "modular chain" sounds very "architecture diagram," but for end users, it boils down to two things: more options in your wallet for "which chain/which layer to settle on," and when crossing over, it feels more like the internet's CDN — faster, but also harder to immediately see who caused the problem when something goes wrong. Others think modularity = more decentralization and security; in reality, it breaks down complexity, and security boundaries also become dispersed, so you need to be more aware of who you're actually giving your signatures to. Recently, hardware wallets are out of stock + phishing links are everywhere, which quite well illustrates: no matter how advanced the technology is, humans are still the most vulnerable part — the ones who decide whether or not to click that link... My current principle is to install fewer plugins, grant fewer permissions randomly, and if I need to cross chains, try a small amount first — anyway, taking a bit more time won't cost you much.