It feels to me as though this argument misses the point. -- Technical debt is time that you have borrowed from the future. -- That makes perfectly good sense

It feels to me as though this argument misses the point. -- Technical debt is time that you have borrowed from the future. -- That makes perfectly good sense if you need a simple, working system, quickly. But if you plan on extending it, then the workarounds and shortcuts that you took will need to be replaced, slowing you down in future. Concrete classes where abstractions will be needed in future, hard-coded values, all that stuff. The debt will have to be repaid.