I wonder if it's less that COBOL is hard and more that there's a lot of design philosophies in legacy codebases that more recently trained developers are going

I wonder if it's less that COBOL is hard and more that there's a lot of design philosophies in legacy codebases that more recently trained developers are going to find frustrating/error prone. I've done some work in the financial space. It's interesting to compare, for example, expressing a credit card transaction in an ISO 8583 message versus a modern JSON/REST API format. The same data might be there, but one of them is going to be much harder to debug without a lot of specialized tooling.