It's not a simple system, we have all those things and more. But when we make a service that contains partner user profiles data we optimize for that (=millions

It's not a simple system, we have all those things and more. But when we make a service that contains partner user profiles data we optimize for that (=millions of partners accessing their profiles, has to respond immediately and scale infinitely, has to be easy and quick to capture new details like eg mfa preference app vs sms etc), not peripheral things like reports etc - such things have to live life being harder for them than they would be if we had a monolith.