I think the mistake you're making is conflating "getting code written now" with expediency. Adding/removing features and shifting when necessary are "expediency." That's the value of a thorough test suite.
These solutions will break, and if monitoring is skipped will break at 2 AM when customers really start using the product.
These situations can be avoided with better product research and a stronger emphasis on design, but these are also the approaches large established companies take who can't afford to lose customer trust, and will gladly build a product on a 2 year time horizon.
As a startup you need to weigh the risk of failure, the need for direct customer engagement, and limited resources against the risk of losing customer trust. If you're a startup making a new DB, then you're product lifespan is approximately equal to the time until your first high level customer failure or poor jepsen test. A new consumer startup, may simply be able to patch scaling issues as they emerge rather than investing in a billion user infra from the get go.
The value of tests amplify with the number of people adjusting the code, and with the time range over which this is happening. These are both conditions that minimize themselves at early-stage startups.
Now, of course, caveat is, you need to know how to strike the right balances and tradeoffs as an engineer to get the right results for the right amount of effort. But that's what startup engineering is about.
At its core, an early stage startup's only goal is to create business value as ruthlessly as possible. Let's talk about how I apply this principle to my testing strategy.
Do automated test suites help create business value? Absolutely, I no longer have to test everything after making a change. Your application is going to be tested, either by you, or by your users.
Does having a well defined layout of UI, service, & integration tests, a-la Martin Fowler add business value? I would argue it does not. I write mostly integration tests, because you get more, 'bang for your buck', or 'tested code per minutes spent writing tests'.
Does this testing strategy create tech debt? Absolutely. I view this as a good thing. I am causing problems for myself in the future, in exchange for expediency in the present. Either my company grows to be successful enough to care about these problems, or we go out of business. If we become successful enough to care about rampant tech debt, hooray! we are successful. If we fail, it does not matter that we leveraged tech debt, we still failed.
Writing good code is an art. There are people out there who are incredibly talented at writing good code that will be battle-tested, and infinitely scalable. These are often not skills that an early staged startup needs, when trying to find product-market fit.