> You can always change it later.

People seem to think that technical debt doesn't need to be paid back for ages. In my experience bad code starts to cost more than it saved after about three months. So if you have to get a demo ready right now that will save the company then hack it in. But that's not the case for most technical debt. In most cases the management just want the perception of speed so they pile debt upon debt. Then they can't figure out why delivery gets slower and slower.

> ironically it is your camp that advices to not use microservices but start with monolith. that's what i'm suggesting here.

I agree with this. But there's a difference between over-engineering and hacking in bad quality code. So to be clear, I am talking about the latter.