You just can't reliably work on one artifact with dozens of people without creating a lot of complexity, this is why microservice architectures can be better in some cases.
If you're not going to increase the development team beyond a single smallish group of people, you'll be much more productive and your service will be way faster as a monolith.
I'm pretty sure most SaaS companies want to scale their development teams, so it's basically a given that most want to use microservices as well.
Sounds like you are arguing that for small teams a monolith is better. No one would argue that they are not. If you read my post, I talked about business that become a SUCCESS meaning that they grow beyond that initial small team. Once your team becomes large, if you started with a monolith, you will eventually need to either break it apart into microservices or try to manage the monolith across many teams.
IF microservices could be as easy to develop from day 1 as a monolith, why would you start with a monolith? Isn't that what technologies like Dapr are trying to do? Make developing microservices easier?
Can we just create a Visual Studio extension that allows you to pretend the various components of your software are "microservices"?
"Sorry, you're trying to stuff too much functionality into your XYZ class. You'll need to break it off into another class if you want the Pseudo-Microservice plugin not to complain."
Following your logic to its ultimate conclusion, you may as well also over-hire on staff, get a super expensive office, crazy benefits packages, etc. Why not? You dont need that stuff if you think your business will eventually fail.
I beg to differ. It's completely straightforward, for the most part. You split them out, one by one. That's a big part of the reason for its popularity.
If it's really that difficult, maybe it's not a great fit for the problem at hand.
But then you realize debugging and refactoring is way harder, and you aren't getting any real benefits from splitting things apart like that.
If you are starting out, please make sure the complexity and development overhead for a microservice is worth it. Don't listen to hypes.
What on earth makes people think the responsibility divisions they make on day 1 are going to be the right responsibility divisions further down the line? Transplanting parts of your data model across boundaries is a complex and painful job.