Do not fully agree here. You can choose not to have a tech co-founder and still make a decently successful business. Customers care only if their problem is getting solved. Rarely they care about the how part.
If you can't convince a single engineer that your idea is good enough to invest in, you can't sell your product to customers.
As I said, it's not about convincing someone whether my idea is good. It's a deliberate choice I am making to not have a CTO.