Database per Service
Each service owns its data and database; other services only touch it through the owner's API or events.
Database-per-service is the data-ownership rule that makes microservices actually independent: each service has its own private database, and no other service is allowed to read or write it directly — they must go through the owning service's API or consume events it publishes. Without this rule, a shared database silently recouples everything; a schema change for one service can break others, teams contend over the same tables, and the "services" become a distributed monolith that cannot be deployed or scaled independently.
Separate bank accounts per family member: you can't reach into someone else's account directly — you ask them, and each person manages their own money their own way.