"Just a sign of weak tooling."

Why does technical overhead take a backseat whenever a microservices vs monolith discussion comes up?

Yes, in a perfect world every org would have sufficient time and engineering resources to implement microservices for better scalability and code quality. In the real world, setting up and maintaining microservices has huge technical overhead, I'd estimate double that of the equivalent monolithic architecture.

If your company isn't flush with cash and the product you're building will never need massive scaling then it makes no sense to use microservices, at least from a business perspective.