The engine is the fun part. Assets and game design are near impossible as a solo dev
The best indie combo is a programmer plus a designer/artist in my opinion.
Alternatively, you can spend a very long time iterating solo. Most don’t have the runway for this.
This is also why big studios produce technically impressive games with mechanics seen thousands of times before. The production risk is much lower for “make spectacular assets” than for “come up with a novel game mechanic”.