It looks like both the scenarios are pretty much the same. Single-Point-Of-Failure.
In your first scenario, your BDD service might crash, on the other it's the database, there's not much of a difference.
Microservices are basically systems, that need to manage pretty much everything of their own, which means they require a dedicated data storage.
Each microservice is suppose to run independently, so having every microservice pointing to a single DB, doesn't make sense.
Read this article for more details on microservice martinfowler.com/articles/microservices.html
Hope this helps!