This is an argument in semantics.
You suggest storing all users physical addresses in memory across multiple machines. You also advocate "shard splitting" a la B-tree indexes which split when the node's population reaches 2n. OK, so when a split occurs, how do you maintain that massive table in memory. Do you lock it? Do you examine your existing queue of requests (which may soon point to the wrong node)? How do you handle new queue requests during "shard split maintenance"?
Calling these "database problems" is waving your hands. Why not just call them "computer problems"?