I see how it works, and I completely agree that to start out, so going from PoC to first business implementation, a monolith is the way to go (unless the goal from the start is 100 million concurrent users I guess).
But after that initial phase, does it really matter if you use one or the other? You can overengineer both and make them a timesink, or you can keep both simple. I do agree on things like network latency adding up, but being able to completely isolate business logic seems like a nice gain. But Im also not talking about real micro level (i.e. auth login and registration being different services), but more macro (i.e. security is one, printing another(pdf,csv,word etc), BI another one