Say simple use-case where you have web/android/ios clients, which show an invoice after the payment is processed (and not cancelled, pending, halted, flagged-for-terrorist-double-check, or whatever banks come up with tomorrow).
You either have one service determining "there is an invoice" or "there is no invoice", or you have all your web/andoid/ios clients implement this logic and have to keep it in sync. Not only is this flakey, it introduces very tight coupling to fields and their values. I've seen abominations such as `status == "pending" || status == "PENDING" || status == "PendingValidation" && validation == false`, (edit) repeated in every client (and obviously slightly different).
Moving this to a single point of truth comes with a lot of benefits.
But when you don't ever have such business-logic, by all means, skip all the indirection and just render whatever comes back, based on a swagger doc you read for version x.y.