> a system that people would built with a micro-services approach but would be simpler as a monolith It's not a binary decision. Micro-services are a tool/tech

> a system that people would built with a micro-services approach but would be simpler as a monolith It's not a binary decision. Micro-services are a tool/technique best applied piecemeal for specific things. For example, "we started out with our API in the monolith but it's got more traffic than we expected so we should split it off to its own service." The point I was making is that people take this wholesale approach and add unnecessary complexity (i.e., split the API, the payments system, the DB/ORM layer, etc. off into services from day one).