For pieces to be able to be carved off, they already have to be autonomous.
What usually happens is that devs without experience in service architectures presume that service architectures are probably just the things they are used to seeing, ie: monolithic entities.
It's usually then that we hear things like "extract the product service". The problem is that product is an entity, and entities are the last thing to build services around. That's how we end up with distributed monoliths, and subsequently failed service architecture projects.
In order for an app to be able to transition to services, the app has to be designed this way from the beginning.
And yes, it's definitely possible to know what the model partitions should be up front. They're very natural divisions. But they can't be arrived at by looking through an entity-centric lens. And unfortunately, forms-over-data apps very rarely provide us with an opportunity to learn about the "other" way to do it.
A startup needs all the options on the table because the alternative is they go out of business and there is no startup. This idea that we can enforce “good architecture” (subject to interpretation) with technology by isolating junior engineers with networking rules needs to at least be more transparent about its motivations.