The big change brought by this modular approach to end users is not "more advanced," but "more fragmented."

In the past, you only needed to recognize one chain, one wallet, a few familiar bridges;
now, with execution layers/data layers/settlement layers separated, the experience becomes:
the same transfer or DeFi activity might require two more signatures, switching to another network, and constantly watching if it gets stuck on a certain DA...
Anyway, when something goes wrong, you also don't know who to blame.

Recently, new L1/L2s are offering incentives to attract TVL, and veteran users complain "mining, selling" — I totally get it:
the money flows in, but the retention, activity, and real transaction volume generated by scripts often can't keep up,
more like the incentives are just self-entertaining.
Ultimately, whether modularization can make you "cheaper, faster, more stable" depends on whether these layers are well integrated without hiding friction,
otherwise, I’d rather open fewer positions to avoid signing multiple times until my hand cramps.