[almostdeadguy]

That's generally a good practice (though not always, many people do blue-green deployments, for instance), but it's rarely an assumption you want to make. Lots of deployment blunders can happen that render assumptions like that incorrect.

Even if your team executes perfectly and never runs into this, the biggest problem IMO is that you can't really enforce most of your guarantees w/ any degree of confidence w/o a typed schema. Even if you work within a typed language that perfectly validates all the invariants of your application before storing anything, the second you need to perform work that does not strictly funnel data through your application (i.e. an update query), you are effectively gambling on whether or not those invariants will hold. This kind of "read-modify-write" flow of data doesn't really perform well (or even hold validity) for a lot of common use cases, so in reality you need your database to ensure these things for you.

Also the two deployed apps problem is just a special case of two people interacting w/ a database who aren't working under the same assumptions as to what invariants should hold. That can happen in single code bases, even with a lot of care taken.