Fair enough. Do you have a favorite ORM that makes what you feel is a decent set of trade-offs, all things considered?
Admittedly, most of my experience with ORMs was with Ruby on Rails' Active Record + Rails' generated SQL tables + the culture that ensued from it, like large production Rails applications that didn't use a single db transaction (and often no indexes). Though I reckon things could have changed in 15 years.
I can imagine that an ORM might be the best option for most people. It wasn't until I worked at one specific company that I learned how to really use Postgres. Before that, an ORM and its abstractions probably made more sense than expecting me to figure out how to use a database directly on my own.
I've been building one for Go in my free time, but it's not ready for general use. Historically, I've used Django despite being imperfect, because I can just install Wagtail and have a nice admin interface for free. It does have some nice convenience features though and transactions are easy enough. At my day job we use a Java framework with a terrible codegen-based ORM. Laravel has a decent database toolkit if you are into PHP. Unfortunately, excellent database toolkits are rare, and I have historically found myself dipping into SQL frequently. All decent ones will at least allow you to do so though.