[jonreem]

outside of trivial transfer transactions there are much more complicated things you can do with smart contracts such as decentralized lending and decentralized exchange of assets

these are more like arbitrary atomic changes to on chain state that can affect many wallets and different contracts (and depend on the existing state) rather than just a transfer from my wallet to another address, which can be reordered freely

see protocols such as uniswap, compound, aave, synthetix, sushiswap, liquity, etc.