Latency is easy to screw up whether you do web apps or direct SQL connections. You have to be conscious of what a request costs, and you can easily batch SQL queries. Yes, you have to watch out for frameworks that spam the DB but those are bad news anyway, and of course there are lots of web frameworks that generate inefficient code. Not sure it's so different.
Your app will have to deal with DB versioning whether it's a web app or not. Tools like Flyway help a lot with linking your DB to version control and CI.
Nonetheless, I totally understand where you're coming from. Thanks for the thoughts.
A few? I'd say most are accidental and the rest are just bad ideas...
>But people do it and the sky doesn't fall.
Well, the same is true for playing Russian roulette too. Most of the times you're winning!