I'm reminded of the system that ran on one bare metal application server and one database server (not including backups) that was replaced with 80 services and a 10x ops spend for production. It was also slower than the original system.

Build your monolith with modules and APIs and split your applications, not your services. If you need to split a module out, your API just has another transmission protocol instead.

As Paul Graham said, do things that don't scale.