The monolithic stacks are targeting the "average" person, who just wants to get a thing done, rather than worry about the how to get to the point where you can

The monolithic stacks are targeting the "average" person, who just wants to get a thing done, rather than worry about the how to get to the point where you can do a thing. Those stacks are great for that sort of thing: pay small fee without thinking about it, really, and then just do the thing. That all falls apart if you're an over-thinker, penny-wise, or a skeptic, though. By virtue of having some tech-savvy, you are automatically sort-of excluded from the target marketing for most platform/app/marketplace stacks. You want to pick and chose to try and gain efficiency or cost-savings or whatever.