This approach really lacks the product vision. Although I agree with it to some extent, my experience is with semi-mature product, the code will stick around fo

This approach really lacks the product vision. Although I agree with it to some extent, my experience is with semi-mature product, the code will stick around for ~2 years on average. You need to be experienced to make implementations that will be easy to replace when needed. E.g. one of your assumptions there are contractors who can help you. That can be true to a certain level, but even product vendors often lack the scale to support their own thing above the basic levels (this is true for post-IPO companies), now imagine this when you can't afford to incubate your product at an expensive tech hub location. Also, when you have cashflow, your business is under pressure to provide better customer service and marketing, and this is where the things getting tricky: you need to decide whether you want to grow your business or pay back the technical debts. Because the investors priority is always business over tech (rightly), you need to look 1-2 years ahead and make your key technical decisions accordingly.