There are two small sealed bearings in the motor. Typical bearing life for intermittent duty starts at a minimum of 8,000 hours or so, but this is predicated on environment. It's more likely that there's debris in the motor than a bearing failure, but it's also not unheard of to have bearings fail early.
Turn each motor by hand to feel it. There should be pulses caused by the magnets but no grinding or other than smoothness between those pulses. You can also listen to the motor using a screwdriver. Props off, and running at idle, put the handle of the screwdriver to your ear and rest the end of the screwdriver on the arm below the motor attach. The motors won't be free of noise, of course, but it should be fairly smooth, consistent, and one motor shouldn't be a lot louder than the others.
On the M2, and probably on the
MA as well, the motor and arm are sold as an assembly. I've replace both front and back arms on my M2, after slipping with it on icy steps, hidden damage (well, I didn't see it anyway) and subsequent free fall crash. The chore involves disassembly of the drone and soldering a bunch of wires. There's also an antenna wire in each front arm, but those plug into the board.