Yep, that's the way it will evolve, I think. Let's say you can mass-produce a drone with anti-tank explosive for $5000. That's much cheaper than guided anti-tank missiles we have now. And they can be designed to only work for 10 minutes, so no good quality materials required.

Make 1000 of them ($5 000 000 is sth like 1 tank), put them in groups of 20 in 50 places where you suspect enemy will attack. Program them to wait with sensors on, when they detect enemy tanks they go up, land on tanks and explode. Tanks usually have much less armor on the top.

Little ones with a small amount of thermite could fly into the gun barrels of main battle tanks.