Multiple credit card companies are already doing this. Our merchant services company offered us this same data. Of course Google is tracking everything you do. But they can only do it with the willing help of Visa/Mastercard.
It's too late for everybody who isn't named "Tesla". Tesla's got over 100,000 charging stations installed already. Tesla's chargers are going to be the de facto standard at this point.
Unless you buy brand new hardware, hardware is absurdly cheap. Our hardware costs are somewhere around 1/20 of our software costs. It might even be less. I don't see any costs savings on hardware.
What I do see with "microservices" is crossing your fingers that whoever you're buying from knows what they're doing (ie: backups, non-faulty hardware, non-faulty sysadmins, etc.)
The other thing is that you have to rely on Internet access, which, in most of the US, is spotty at best. We're in a major metropolitan, high-tech area, and neither of the ISP's can provide us with reliable service. Hence, all of our software is built to run off-line during our very regular Internet outages. With "microservices", we'd just be stopped from doing any business at all every time the Internet dropped out.
Disclaimer: "These opinions are my own, though for a small fee they be yours too." -- Dave Haynie