Lately I keep hearing people talk about "modular chains," and honestly, for someone like me, a end-user, there's not much romance in it: it's not about suddenly becoming more free, but about having more "paths" to choose from in my wallet. Transfers might become cheaper and faster, or it might just mean more layers of bridges, more buttons, and more points where things can go wrong... Anyway, when I click confirm, my heartbeat stays the same.

Now there's also talk about interest rate cut expectations, the dollar index, and risk assets moving up and down together. I feel pretty indifferent about it: when macro trends shift, whether it's modular or integrated, the fears remain the same. The only thing that might change is one thing — don’t dump all the complexity onto the user, don’t make me spend half a day figuring out "which layer to go through" just to save a few bucks on fees.

What I fear missing the most isn't really the opportunity, but the day I accidentally lose my money in a bunch of networks, bridges, or signatures, without even realizing it.