What exactly is the problem with tight coupling? You're going to insert an entire layer that basically translates format A to format B, just so you can later change a column name in the database and not have to change it in the API or something?
1. You don’t want or need to expose lots of implementation details. Many of your data structures should be private, and many should be partly private.
2. Your data structures should not dictate the shape of your api, usage patterns should (e.g. the user always needs records a,b,c together or they have a and want c but don’t care about b)
3. It stops you changing any implementation details later and/or means any change is definitely a breaking change for someone.
There's a few issues; one is that if you have the DB do everything, all of your business logic lives there too, instead of just the data. This is still fine if you have a single use case, but what if in addition to your main application, you also need to use it for things like BI, customer service, analytics / predictions, etc? It then quickly becomes better to use it as a datastore and have another layer decide what to do with it.
And in 30 odd years, everything will be different again, but your company's main data store will not have moved as fast.
Normalization is one of those typical issues where you might be fine with having everything normalized when you start off, but then once performance gets bad you end up denormalizing tables that are typically joined.
The extremely obvious problem is that how you store data is an implementation detail and those change when requirements (or the market) evolve. I'll give you an API and will make triple sure it's as fast as a machine can even serve it and you let me worry about how it's all stored.
To additionally answer you with an analogy: when you have a problem with a company, you call the call center, not Jenny from accounting in particular. Jenny might have helped you twice or thrice but she might leave the company next year and now you have no idea how to solve your problem. Have call centers to dispatch your requests wherever it's applicable in the given day and leave Jenny alone.
> * What exactly is the problem with tight coupling?*
As Joel Spolsky put it: ”the cost of software is the cost of its coupling”.
More specifically the cost of making changes when “if I change this thing I have to change that thing”. But if there’s no attention paid to coupling, then it’s not just the two things you gave to change, but “if I change this thing I have to change those 40 things”.
