[jpalomaki]

You can also have structure and strong separation between different parts of the system inside a monolith.

I see the point of microservices for cases where you want to use different tech stack for one part of system or need special scalability. I don't see the point in going that route to only have separation between components or being able to split work.

If you are afraid that you won't get the monolith architecture right, you should be afraid of the same thing with microservices.