A bit of an alternative take on this, but I talk to a lot of folks at small start-ups (in Toronto, if that matters), but it seems like most people actually get this right and understand not to bring in complexity until later. Things like microservices seems like they are mostly understood as a tool that's not really meant to solve a real scalibility problem and is massive liability early on.

The exceptions are usually just inexperienced people at the helm. My feeling is, hire someone with adequate experience and this is likely not an issue.

I do think architecture astronauts tend to talk a lot more about their houses of cards, which makes it seem like these set ups are more popular than they are.