I think you are misunderstanding the whole topic. Obviously it's about software at scale. Picking the right solution for a problem is kind of the whole job of software development.

I have gone through the migration of monoliths to microservices (yes, at scale with multiple teams and requirements to scale individual components etc.) and it solved a lot of problems.

The benefits outweigh the costs in my opinion (and drastically so).

When people say "you can write well separated components in a monolith..." I can only say: of course you could, but you are not going to (and certainly not everybody at your giant ass company is going to).