Besides, the reality is that most business software out there gets rewritten every 3-15 years (really depends on use-case and conditions, but on average 4-5-6 years is a good bet). After some time it's just not worth it to keep refactoring, you'd rather start anew with hopefully better tech and certainly with better knowledge of your problem — they say you should write everything 3 times to make sure you really nailed it.
In many businesses, these rewrites would constitute a new major version, more comparable to the feeling we always got in the waterfall era — new version = big changes, new UI, new stuff. That's when it's possibly lethal, if you really break the thing, and that thing is your product, not a means to it.