I think it depends. It does protect from overcomplicated designs that never come to fruition in accordance with Gall’s Law (See Googles Omega). And nobody will care how much extra debt you saved down the line if company seizes to exist because it was outpaced by competition so there’s definitely some trade offs to be made.

The last part is more of a problem with hard maintenance work being unappreciated compared to launching new shiny shit which is entirely different can of worms.