What would a monolith buy you?
An ability to easily change the boundaries of your conceptual components, because they WILL be wrong now or in the future.
Even with a well constructed monolith, you need to have well defined “services” with contractual interfaces.
You don’t have to understand 4000 services to make one change anymore than I need to understand the entire boto3 library when I am building on top of it.
https://boto3.amazonaws.com/v1/documentation/api/latest/inde...
You can’t just change your interface in a monolith either without breaking other parts of it.
The question is what makes you think 1 service is immediately better than however many payment services there are now?
Even Microsoft managed to do so for multiple products while also stack ranking the teams.
And I doubt there's a single service, even payments, that's as technically complex as Excel.
And I'd agree with the other child comment that the monolith can always be broken into separate components which are owned by different teams.