If one heavy part of your rails app takes up 90% of the processing time, there is nothing wrong with just getting a bigger machine for the whole app. The bigger CPU/memory/whatever will be spent on the heavy part and the rest will be normal.
For most business, scaling is not a problem - they can just get bigger machines. Having to re-implement transactions across your microservice architecture really is a problem. Very often transactions need to cross microservice boundaries and that really requires a lot of thought