The word "modularization" sounds very high-tech, but for end users, honestly, it means: you might not have to "choose one chain to live your whole life on" anymore. Execution, settlement, data—each does its own thing. You might still click the same button in your wallet, but behind the scenes, there's a cheaper/faster layer replacing the previous one. Moving assets across chains becomes less laggy and less expensive (ideally).

Recently, I've seen people compare RWA, US bond yields, and on-chain yield products all together. I also get tempted, but the more I look, the more I feel that modularization makes "building yields like stacking blocks" even easier: the protocol adds a layer, then stacks another layer on top, which looks very smooth. The problem is, smoothness can also make it easier to slip up... Sometimes, I really want to rush forward as a speedster, but then I think, can I understand which layer the money is really on, and where the risk is truly concentrated? That's probably where end users are truly being changed. Anyway, I should hold back and not keep chasing my own tail in the mempool again.