Why would an orbit gradually degrade?
With planetary orbits being stable around a star for long times, one would think that the change of angular momentum (its usually angular momentum, not energy that you want to talk about for orbital decay) for celestial objects must be about zero.
In fact it is more the rule than the exception, that an objects orbital angular momentum changes with time. Early in their history, the giant planets in our solar system migrated quite significantly (for which there is more and more evidence), and as you stated yourself, the Moon also recedes from us.
There is a fundamental reason why this can happen, and it is the same reason why things must inspiral into a black hole.
First things first, I have to define a bit of math. A potential $\Phi(x,y,z)$ is a scalar function, whose 3D-derivative gives a force vector $\vec F(x,y,z) = \nabla \Phi(x,y,z)$.
If you're unfamiliar with this notation, then the key message here is: A potential contains essentially all information that a conservative (!) force does, and physicists use it all the time because handling one scalar is easier than handling three scalars (which is the force vector).
Then, without proof, I state a theorem from classical mechanics, namely that the only force laws that can produce closed orbits are potentials of the form $\Phi\sim r^2$ and $\Phi \sim 1/r$. The former is a Hooke spring-like law, the latter is a perfect two-body gravitational potential.
Tides and perturbations from the planets are relatively weak contributions compared to central gravity. In the case of a black hole however, you pick up an additional strong-gravity potential term $\Phi_{\rm BH}\sim 1/r^3$ which has a much stronger radial dependency than your regular gravity term, and is purely attractive.
Because of this, black holes posses a so called innermost stable circular orbit (ISCO), beyond which nothing can orbit the black hole without drifting radially inward. Because one can show that ISCO and the black hole's Schwarzschild radius are related via $r_{\rm ISCO} = 3 r_{\rm s}$, one will never encounter the ISCO in regular solar system dynamics.