AGPL has no bearing on how I use software, only how I can redistribute it. AGPL does not stop a person or company using Chunkr or its product in a commercial environment without further license.
But broader, the interpretation that AGPL microservices are viral is just one interpretation. If it really is just a swappable backend interface, why should it affect other subsystems? IANAL but it seems pretty trivial to insulate a microservice with the same sort of GPL condom companies ship to avoid "linking" to (eg) the Kernel.
https://medium.com/swlh/understanding-the-agpl-the-most-misu...