Your question is Monolith vs Microservices Trade-offs. Take a moment with it on the right.
Talk me through your thinking if you like. When you're confident, submit your answer and I'll grade it like a real screen (7/10 or better passes).
What are the trade-offs between a monolithic architecture and microservices?
Discuss the decision in practical system design terms, including service boundaries, deployment and scaling, reliability, data ownership, observability, team autonomy, and operational complexity. Explain when you would start with a monolith, when you would split services, and how you would migrate safely without a disruptive rewrite.