There are plenty of real world scenarios where static checking gets in the way even if you're not trying to encode complex properties using the type system.
One problem is that static typing is at odds with modularization since type declarations are considered globally. For example, Ring HTTP abstraction in Clojure represents requests and responses as maps. Middleware functions [1] can update these maps to inject additional keys, or modify existing keys. These functions often live in separate libraries that know nothing about one another. A static type system precludes this since it would require you to provide a static declaration for every possible request and response map.
[1] https://github.com/ring-clojure/ring/wiki/Middleware-Pattern...
If you statically prove that you check that they keys are there before using them, then the type system can be satisfied.
Module X expects the "foo" key, then write a function that checks if it has the foo key and returns a type Maybe(HasFoo). It's less good than just treating the type as the union of HasFoo and HasBar or whatever, but if you fully decouple, then you have to be able to handle the case in which the mapping lacks a foo key anyways, and this will statically froce you to.
Remember, in the sense we are currently talking about[1], objects are untyped, it's variables that are typed. So there is no need to describe the type of this map that is passing around in concrete terms; it's perfectly cromulent to treat the map as a TypeA in one place and a TypeB in another place, so long as you ensure that the prerequisites for those types are satisfied by the object.
It is true that it is usually preferable in statically typed languages to demonstrate that the map satisfies the requirements for TypeA before type erasure (i.e. at compile time), but if you want total decoupling, then that is not possible (since the requirement that the map have keys X and Y would need to be enforced outside of Module A). This does not mean that a type system cannot help you though.
I think we are getting to the limits of what can be easily communicated via HN comments, so if you still don't understand, then perhaps I'll write a blog article explaining it more fully.
For example, there is middleware for parsing our request params into a :params key. There's another piece of middleware that parses the values of these keys. So, you may or may not have a :params key, and the types inside the params can be absolutely anything. Then you could just have completely separate middleware that might add something like a CSRF token to the request map. And so forth. Your only real option here is to treat the entire structure as Any type.
If you still don't understand the problem, I really don't know how else to explain this.