But to speak directly to your concern, you have to think about service boundaries and granularity correctly. Nobody is saying make a microservice out of every conceivable table. Think about the bigger picture, at a systems level. Wherever you can draw boxes you might have a service boundary.
Why would you need to join payment data to session and login data?
Do you need to compare employee roles and ACLs against product shipping data?
These things belong in different systems. If you keep them in the same monolith, there's the danger that people will write code that intertwines the model in ways it shouldn't. Deploying and ownership become hard problems.
The goal is to keep things that are highly functionally related together in a microservice and expose an API where the different microservices in your ecosystem are required to interact. (Eg, your employees will login.)
When the data analytics folks want to do advanced reporting on the joins of these systems (typically offline behavior), you can expose a feed that exports your data. But don't expose an internal view of it to them or they'll find ways of turning you into a monolith.