Knowledgeable people in TDD code faster and better using the technique. Practice takes you there.
In the mean time, test the parts of the application that do not change. How much can the payment flow, sign in or sign up change? Make sure you have test for those in order to catch regressions.
Know where you are. Are you building to last? Are you building to test an idea? balance.
"The richest people in the US (the ones with 80% of the wealth) have probably in most cases earned it"
That is a lie. Only a negligible fraction of actual capital accumulation can be tie to life cycle savings. Therefore, we must conclude that intergenerational transfers account (inherit capital) for the VAST MAJORITY of aggregate capital accumulation in the USA.
I am not advocating a cero sum game or that everybody should be equal, but when you have the VAST majority of capital in the USA being inherit, the merit of earning that capital fades away pretty quickly.
In the mean time, test the parts of the application that do not change. How much can the payment flow, sign in or sign up change? Make sure you have test for those in order to catch regressions.
Know where you are. Are you building to last? Are you building to test an idea? balance.
Build better abstractions.
Practice. Practice. Practice.