I'm writing this as a middle-class person, who has to go into debt if she wants to buy a house. It's not a bad thing - I want the house now but saving up would

I'm writing this as a middle-class person, who has to go into debt if she wants to buy a house. It's not a bad thing - I want the house now but saving up would take too long. It's just a choice. "Repaying" technical debt is implementing the missing features, removing the temporary hacks etc. Not taking it can be an option, if you have full funding upfront for example. It's just not always the best option. Just like borrowing money, getting into some technical debt can be worthwhile.