I wish you wouldn't talk about "penalization" as if it was something that comes from a source of authority. Your customers are depending on you, and you've let them down, and the reason that's bad has nothing to do with what your boss will do to you in a review.

The injustice that can and does happen is that you're explicitly given a narrow responsibility during development, and then a much broader responsibility during operation. This is patently unfair, and very common. For something like a failed uService you want to blame "the architect" that didn't anticipate these system level failures. What is the solution? Have plan b (and plan c) ready to go. If these services don't exist, then you must build them. It also implies a level of indirection that most systems aren't comfortable with, because we want to consume services directly (and for good reason) but reliability requires that you never, ever consume a service directly, but instead from an in-process location that is failure aware.

This is why reliable software is hard, and engineers are expensive.

Oh, and it's also why you generally do NOT want to defer the last build step to runtime in the browser. If you start combining services on both the client and server, you're in for a world of hurt.