when is it smart to use a message queue tbh

hey everyone, ive been thinking about system design patterns lately. We often see message queues mentioned for decoupling services and handling asynchronous tasks. But im curious, what are the tipping points? When does the added complexity of managing a message broker (like RabbitMQ or Kafka) outweigh the benefits? Are there specific scenarios where direct API calls or simpler background job systems are clearly better? Lets discuss when a message queue truly earns its keep.