These days, the group keeps sharing images about "a certain stablecoin losing its peg" or "reserve audits being opaque," which is a bit annoying and also a little unsettling... I'm actually more concerned now: when something really happens, can I move my money with fewer transaction fees?

The word "modularization" sounds very mysterious; honestly, for a end-user like me, it just means: if one chain gets blocked, everything gets completely stuck.
After separating execution, data, and settlement, daily operations are a bit like using different chargers—fast chargers for speed, cables for transmission, sockets for stability—if one breaks, the whole house doesn't lose power.
The experience might just be faster transfer confirmations and less sudden gas fee spikes; but don't get too optimistic—more bridges and cross-layer stuff means problems are more dispersed.
Anyway, I’m used to small, frequent transactions with some buffer, so I’ll stick with that for now.