Although I think there's a rather under-appreciated part of the "technical debt" metaphor, which I think is neat. "technical debt" is not just a thing you should avoid. You can choose to take on debt, and sometimes that is a very sensible choice. You might make a plan in advance for how you're going to pay it back. But if you go too heavily in debt, you may be swamped by it.
Although I think there's a rather under-appreciated part of the "technical debt" metaphor, which I think is neat. "technical debt" is not just a thing you should avoid. You can choose to take on debt, and sometimes that is a very sensible choice. You might make a plan in advance for how you're going to pay it back. But if you go too heavily in debt, you may be swamped by it.
I agree, which is why I have wrote that you need to keep it at a maintainable level :)