Or better yet: a massive front end SPA talking to an array of stupid microservices that are not much more than tables with web accessible endpoints for CRUD and probably an authentication service thrown in for good measure. All of the business logic on the JS side of things. The worst of both worlds, now you have a monolith and a microservices based architecture with the advantages of neither.
What isn't trivial is when someone decides to make an Order microservice and an Account microservice when there's a business rule where both accounts and orders can only co-exist. Good fucking luck with 3 developers, I'm pretty sure with a team of 3 in charge of 23 other microservices you aren't exhaustively testing inter-microservice race conditions.