Organisations just don't want to deal with the accountability involved with "touching cold code". Whether it's a human or "AI agent" doesn't change the "It worked in prod, you touched it, you broke it, never touch anything again" dynamic.
But there's risk associated with every change, and it takes time to review, QA, monitor the rollout, communicate to stake holders, etc.
The refactor itself may be the smallest part of it.
Yes. In practice, this does not weigh against organisational resistance.
AI really makes it worse by adding an explicit numerical cost to doing anything.