Как реализовать health checks и мониторинг микросервисов?

# application.yml
management:
  endpoints:
    web:
      exposure:
        include: health, info, metrics, prometheus
  endpoint:
    health:
      show-details: when-authorized
      show-components: always
  health:
    db:
      enabled: true
    diskspace:
      enabled: true
    kafka:
      enabled: true

@Component
public class PaymentGatewayHealthIndicator implements HealthIndicator {

    private final PaymentGatewayClient gatewayClient;

    @Override
    public Health health() {
        try {
            boolean isAvailable = gatewayClient.ping();
            if (isAvailable) {
                return Health.up()
                    .withDetail("gateway", "Payment Gateway доступен")
                    .withDetail("responseTime", "45ms")
                    .build();
            } else {
                return Health.down()
                    .withDetail("gateway", "Payment Gateway не отвечает")
                    .build();
            }
        } catch (Exception e) {
            return Health.down(e)
                .withDetail("error", e.getMessage())
                .build();
        }
    }
}

management:
  endpoint:
    health:
      probes:
        enabled: true
  health:
    livenessstate:
      enabled: true
    readinessstate:
      enabled: true

# Kubernetes deployment
livenessProbe:
  httpGet:
    path: /actuator/health/liveness
    port: 8080
  initialDelaySeconds: 30
  periodSeconds: 10
readinessProbe:
  httpGet:
    path: /actuator/health/readiness
    port: 8080
  initialDelaySeconds: 20
  periodSeconds: 5

@Service
public class PaymentService {
    private final Counter paymentCounter;
    private final Timer paymentTimer;

    public PaymentService(MeterRegistry registry) {
        this.paymentCounter = Counter.builder("payments.processed")
            .description("Количество обработанных платежей")
            .tag("service", "payment-service")
            .register(registry);

        this.paymentTimer = Timer.builder("payments.duration")
            .description("Время обработки платежа")
            .register(registry);
    }

    public void processPayment(PaymentRequest request) {
        paymentTimer.record(() -> {
            doProcess(request);
            paymentCounter.increment();
        });
    }
}

Endpoint /actuator/prometheus предоставляет метрики в формате Prometheus:

# HELP payments_processed_total Количество обработанных платежей
payments_processed_total{service="payment-service"} 1542.0
# HELP payments_duration_seconds Время обработки платежа
payments_duration_seconds_sum{service="payment-service"} 125.4