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Lately, I've been seeing the word "modularization" hyped up as something very profound, but for ordinary users, it's not that dramatic. The most direct change is probably: you use the same wallet, the same app, but behind the scenes, there might be several layers of "platform," and transaction fees and confirmation speeds are more like riding an elevator—sometimes smooth, sometimes a bit laggy, but not necessarily your fault.
These days, when that mainstream public chain says it will upgrade/maintain, the community starts guessing whether ecosystem projects will move out. I actually think that if modularization really takes off, migrating or not should become less and less "painful" for users—at most, just change the bridge and entry points, and as long as the experience doesn't suddenly disconnect, that's fine.
Forget it, to put it plainly: if it really works, it should let you worry less about the chain and focus more on your own transactions; don’t make every hard fork feel like moving and losing internet. The risk remains the same—don't put all your assets on one chain, and don’t let your emotions be there either.