The most controversial yet essential rule of microservices: Every service must own its own data. No other service is allowed to talk to your database. This ensures total decoupling, but it introduces the hardest problem in distributed systems: Distributed Data Consistency.
If Service A and Service B share a database, you cannot change the schema of Table X without breaking both. You have created a Shared-Database Monolith. By isolating the DB, Service A can switch to MongoDB while Service B uses PostgreSQL, and neither side cares.
You cannot use a SQL JOIN across two microservices. There are two solutions:
Q: "If my services have separate databases, how do I handle a transaction that spans both (e.g., Create Order and Deduct Money)?"
Architect Answer: "You cannot use traditional ACID transactions (BeginTran/Commit) over a network. Instead, we use the **Saga Pattern**. A Saga is a sequence of local transactions. One service finishes its work and publishes a 'Success' event. The next service hears it and does its work. If a step fails, you must execute **Compensating Transactions** (Undo actions) to manually revert the previous steps. This is the price we pay for massive scalability."