Strongly object to the assessment that developers have this half checked-out mindset. Now, of course, this would differ from workplace to workplace, so YMMV, but at my workplace, so many developers have the craftsmanship attitude. They'd love to solve hard problems and solve them well, not because the solutions are worth money in a marketplace, but because they are intrinsically valuable, interesting, meaningful, delightful, etc. to the developers.

The problem is the business doesn't care about anything except how much money can be gotten out it, often with a short-term horizon.

So the developers and the business people walk shoulder to shoulder for a little ways, where the two interests are aligned, but then we part ways at the point of introducing technical debt. As a developer, I'm not free to take the time I need to pay down this debt, because of business constraints.