Expensive database server = 1980s Filofax
You can think of a database as being like a 1980s Filofax address book. You fill the pages out in ink - changes are crossed out and re-added.
You can fit all your contacts in a few pages, or you can spread them out, one contact to each page. This is called fill factor.
If you pack them together you only need to check a few pages to find the contact you want. However when adding contacts you have to add two new pages, one with 1/2 the contacts, and another with the other 1/2 + your new one. When changing a contact you have to cross out a contact, but then you have to add a new page and copy it all out again.