Exactly. 100% right.
Over focusing on source leads to stand conclusions.
True remedy in both cases is refactoring. So if team don't have time for refactoring in monolith, then switch to microservices would need to free up enough time for the team to start doing it.
Can that even with on a level of a single team?
I just doubt that people who don't have the discipline to write decent modular code will do any better with microservices. You will end up with a super complex, hard to change and hard to maintain system.