Modular chains sound grand, but for end users, it really comes down to two things: first, “don’t keep getting stuck.” Once execution, data, and consensus are separated, the experience is that transfers/interactions are smoother, and fees are less likely to turn into a sudden gas pedal–brake pedal situation. Second, there are more choices, but it’s also more convoluted—the same application may end up stacked in multiple layers, and you keep bouncing back and forth so you have no idea which “chain” you’re actually on until a bridge problem happens and you finally realize it.

Recently, there’s been more talk about social mining and fan tokens. My feeling is that attention really can be turned into money, but what gets “mined” is often short-term traffic—not security. Even if the chain becomes more modular, it still can’t make the project teams’ incentives better.

For my own security, I’m willing to take one extra step: every time I use an NFT to do lending or borrowing, I’d rather spend ten minutes going over the liquidation thresholds, the oracle sources, and the contract permissions. If it’s a hassle, so be it—I’d rather accept the inconvenience than wake up after a sleep and find myself liquidated, still totally confused.