It depends on who you are paying for it, but generally a distributed system is harder to reason about, harder to fix, has weirder edge cases, and much more easily get into situations where it requires even MORE expertise to fix than just having a big honking server.

When you start calculating things that are not just the server, the single server looks cheaper and cheaper. How do you get a consistent backup? How do you do DR? How do you tune queries when it could go to this node or that node? Now writes are going to be significantly slower if you need multi-node commit because no matter what you are racing the speed of light on the network.