“Modular chain” sounds impressive, but the most direct impact on end users is basically just two things: you think you’re “operating on the same chain,” but in reality you’re going across several layers and multiple service providers; and while the transaction fee you see might be lower, the hidden costs are easier to bury.

For example, in a very rough sense: the gas for a transfer is cheaper, but to move your assets/status to another location you need one more bridge, one more confirmation, one more failure-and-retry—so the combined time cost + slippage + fees may not actually save you anything.

Recently, people have also been forcing an interpretation that ties ETF fund flows, U.S. stock market risk appetite, and crypto price rises and falls together—plainly speaking, you can say emotion however you want, but I care more about what I actually receive in the end. You ask, “What’s modularity useful for me?” It depends on whether your wallet can clearly calculate these routes and the total cost; otherwise, it’s just splitting the bill into several parts.

As for your question, “Should I use xx chain”… let’s lay out the total fees first, and then we can talk.