The layer you never query
is the one that saves you
Medallion architecture is easy to dismiss as three copies of the same data with extra steps. The argument for it only becomes obvious at the moment something goes wrong, which is also the moment it is too late to adopt.
What each layer is for
Bronze is what arrived, unmodified, including the parts that were wrong. Silver is cleaned, typed, deduplicated and conformed. Gold is shaped for consumption: the aggregates and models that reports and metrics read.
The discipline that matters is that bronze is never edited. It is an append-only record of what the source actually sent, timestamps included.
The day it pays for itself
Six months in, somebody discovers that a transformation has been subtly wrong since it was written. A currency conversion applied at the wrong point, a join that silently dropped rows without a match, a filter that excluded a category nobody thought about.
With bronze intact, this is a bad week: fix the logic, reprocess from raw, and the corrected history appears. Without it, the wrong values are the only values you have, and the honest answer to what the number should have been is that nobody can reconstruct it.
Why this matters more for a product than for reporting
If the data is behind an internal dashboard, a gap in history is embarrassing. If it is behind a feature your customers use, or a figure you have reported externally, it is a different category of problem.
Products also change shape more often than reporting does. The gold layer for a feature will be rebuilt several times as the feature evolves, and each rebuild wants the full history recomputed under the new logic.
The objection about storage
Keeping raw data costs storage, and storage is the cheapest thing in the stack by a wide margin. The comparison is not storage against savings, it is storage against the cost of not being able to answer a question about your own history.
The one case where this genuinely needs thought is data you are not permitted to retain. That is a real constraint, and it is handled with retention rules on bronze rather than by not having bronze.