A rational way of explaining it is -- what is my service level objective? If my SLO is for two nines of uptime, then I can be down for 3.65 days a year, and I can get away with single-homing something, or going with a simple hot-failover replicated setup. I just need to be pretty confident that I can fix it if it breaks within a few hours.
If I need more nines of uptime than a single system could provide (and think about the MTBF numbers for the various parts in a computer, a single machine is not going to give you even three nines of uptime), then I'm literally forced to go distributed with N >= 3 and geographical redundancy (we stay up if any k of these machines fail, or if network to "us-east-4" goes down). Things get worse (and you need to be more paranoid) if your service level obligation turns into a service level agreement, because then it usually costs you money when you mess up.
Of course, the more distributed you are, the slower and more complicated your system becomes, and the more you expose yourself to the additional associated downtime risks ("oops, the lock service lost quorum"). They usually cost more to run, obviously. C'est la vie. There is no magic bullet in software engineering.
It used to be that you could spend 3X or more in engineering effort getting a distributed system up and running vs its singly-homed alternative. These days with cloud deployments (and Kubernetes for on-prem) you get a lot of labor-saving devices that make rolling out a distributed system a lot easier than it used to be. You still need to do a cost/benefit analysis!