Can you name such a situation in which the technology can't help because the user never learnt proper technique and skills, because of that technology? I can't think of any, off the top of my head. ABS/TCS can't really help you in a corner because of the lateral forces (though I'm reliably told that with modern systems even that is debatable), but then again it doesn't interfere with learning how to properly deal with a corner. Running off and ending up in sand/grass? More likely to help you stay upright, if you know how to use it. Something else?
I would say that ABS/TCS will out perform 99% of street riders, regardless of their self perceived skill levels, in perfect conditions. As we all know, conditions are rarely perfect. Perhaps in your case you wouldn't have had to rely on luck to save you. And that's what it likely was, rather than skill. Been there myself more than once though thankfully not in some years, thanks to toning down my riding style.
I think that the following is the most telling. When BMW first brought their TCS equipped bikes to the Parts Canada Superbike series Mike Ferreira used it, but Francis Martin had it turned off. Ferreira was riding as well if ever, if not better. Martin was riding well, but not as well as I've seen him, as he came to terms with the new bike. By mid season the TCS was turned back on. I've watched Francis ride for more than a decade. I've been taught by him at FAST. I'll take his word on TCS, as I really doubt that there are many, if any riders on this site who can match him.