Just pick something and build an MVP with it. Then get on with the hard part of finding paying customers. You can fix the bad tech decisions later. Without customers it won't matter which database you used before your startup failed.
Exactly. This article typifies premature optimisation. If MongoDB lets you prototype faster, then use it until you have enough paying customers to warrant a refactor.
Does it? Even a prototype involves some iteration, which can be derailed by the kind of missing-schema problems that the OP mentions. Throw in a few operational problems, and your prototype isn't really any faster than something with better features and reliability. What's better for that first few lines of code on your laptop might not even get you to a prototype.