The more I read of you the more I'm sure you're just putting on a facade. The effort needed for refactoring has nothing to do with "owning your decisions" or "being terrified", and your clients are certainly not paying you for it either.
Your numerous comments unintentionally reinforce my top comment. One of the primary use cases for these frameworks is to avoid training and investing in developers.
How does me disagreeing with you affirm that statement? It does not. „Investing“ means you‘re expecting more in return: What would that be?