But even in the case of magically fixing people problems - for example, if you are working on a solo project - you will still have technical debt because you will still have lack of knowledge. An abstraction that leaks. A test that doesn't cover all the edge cases. A "simple" function that was not indeed that simple.
The mistake you want to avoid at all costs is believing you don't have a knowledge gap. You will always have a knowledge gap. So plan accordingly, make sure you're ready when you will finally discover that gap.
Or a lack of action. Tech breaks and you need to take the action of preparing for that.