We are talking about microservices. It is a pattern to resolve the complexity of the system those need to process a high amount of data within a short period. Financial lose may occur on implementation of this pattern for an application of limited complexity in the initial phase. Initial phases have a learning curve to understand the relation and behavior of domain entities. Small and medium companies lean this during development. Large companies can allocate additional times for documentation and correction on design phases for a reasonable long period. So, sometimes it is good to start with a monolithic architecture and grow with the achievement of the company then migrate to microservices.