Reading [1] again and again, I still don't understand the following sentence:
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With policy routing it is possible to force all traffic to the specific gateway, even if traffic is destined to the host (other that gateway) from the connected networks. This way routing loop will be generated and communications with those hosts will be impossible. To avoid this situation we need to allow usage of default routing table for traffic to connected networks
[1] https://wiki.mikrotik.com/wiki/Manual:P ... cy_routing
Best regards