DHH / standard-Rails seems to encourage you to fit things into Models, Views or Controllers. Models got too fat, and so Concerns were introduced. This is problematic, because you still have massive god-models, but now their code is split between a dozen different files, called "Concerns". The main problem is that by making ActiveRecord models the core of your application, you generally give each model too much responsibility & too much knowledge of its associated objects. This means it's very hard to break down & recompose the different functionality into new objects. A model only functions correctly if all of its associated objects are present. This is tight coupling.
The alternative view is to introduce several new single-responsibility objects like Interactors/Service-Objects (and Policies, as here) which should contain the core of your application's business logic. These Service Objects are the opposite of concerns - they do not extend the API of models. They exist to control the interactions between the models. The models become dumb interfaces that deal with data validation and persistence. Because they know hardly anything about the other objects in the system, and have very limited APIs, they can be passed around easily, and re-composed into more complex interactions. They are also incredibly simple to test. The same applies to Interactors - they should be broken down into small units of behaviour with very limited APIs, which can then be passed around easily and composed into more complex interactions. This is loose coupling.