Flyway is a fantastic tool for making changes to relational schemas. Your code is versioned, and you can just keep the schema migration scripts right next to it. If you need to upgrade an old schema, it just walks through the migration scripts until it's up-to-date.
If there is some portion of your model that really, truly, honestly consists of unstructured data, you can just put that in a JSON column.
You really seem to favor initial velocity and rapid iteration. Fair, I can totally understand why.
I favor planning, stability, and limiting thrash due to bad/uninformed decision making.
In my experience the rush to market only pans out when you plan on having a large influx of funding to rebuild your stack. Otherwise you are stuck holding a mess of code and trying to scale ideas that never should have gone to production in the first place.
There is a whole other side to the industry that demands provably correct solutions, and will not tolerate the "hacker culture". Not because of any petty reasons like work hours or perks, but because some applications require a level of accuracy that your average growth hacker can't meet.
Your reasoning seems too black and white, most the of the time, you can't know your data model ahead of time, that's why prototypes are so useful, so just using your language data structures or some less rigid datastore lets you get quicker to your data model.