[crisper78]

FAANG's often don't have paying customers, banks do.

Its not being stuck between a rock and a hard place, you just need strong management that understands that changing whole systems is never a good idea without clear benefit, other than "technical debt" which is such a bad term for reliable software. Software doesn't age, im not sure how software engineers don't understand this, or maybe they do and want to write more s/w.

[oblio]

Software does age. Security ages, network protocols age, human related configs age (timezones, for example).

And that's besides tribal knowledge that goes away as people leave or retire.