There's a degree to which I agree with this, but the advantage monoliths have is the "opinionated" frameworks (chiefly Rails, Django and the like) that hand-hol

There's a degree to which I agree with this, but the advantage monoliths have is the "opinionated" frameworks (chiefly Rails, Django and the like) that hand-hold a less competent team towards a sane design. In comparison, building a good set of microservices is a minefield of infinite possibilities, with each decision about where a particular responsibility or piece of data should live being quite significant and often quite painful to change your mind about.