> Or is this because most of you only build MVPs which are mostly CRUD apps (and therefore don't know from first hand experience the benefits of a modular system)?
This is what I use Rails for, and its entire reason for existing. It's a set of conventions for CRUD apps, not a general-purpose language for building distributed databases and coordinating space missions.
The problem with these complex software architectures is that they're decoupling Rails from the database, but why in the world would you want to do that? Rails is great because it manages the the meeting point between web requests and relational databases in an elegant, repeatable, commonly-understood way. If you need a complex, general-purpose system that only sometimes will talk to a database for persistence, why in God's name did you use Rails?