> You can't go on assuming user base won't grow.
The number of developers today who assume their user base will grow, and optimise for that, when it's not required, far exceeds the number who assume their user base won't grow, and have growing pains because of it.
> If I hash passwords, but I can only hash 100 at once
What do you mean if? Why would you ever not hash passwords?
Also, this is exactly what horizontal scaling is for, which you need to deal with regardless of whether you're using micro services or not.
> A bank offers some
first off - you're still comparing yourself to a massively different field. If you are working for a bank, you shouldn't be asking for this type of advice, unless you've lied to them about your skills.
secondly - those things you described are all different applications within a bank. There may be some integration but more likely the common point for them all is a massive mainframe system that they all interact with. That is not micro services.
The number of developers today who assume their user base will grow, and optimise for that, when it's not required, far exceeds the number who assume their user base won't grow, and have growing pains because of it.
> If I hash passwords, but I can only hash 100 at once
What do you mean if? Why would you ever not hash passwords?
Also, this is exactly what horizontal scaling is for, which you need to deal with regardless of whether you're using micro services or not.
> A bank offers some
first off - you're still comparing yourself to a massively different field. If you are working for a bank, you shouldn't be asking for this type of advice, unless you've lied to them about your skills.
secondly - those things you described are all different applications within a bank. There may be some integration but more likely the common point for them all is a massive mainframe system that they all interact with. That is not micro services.