Agreed, just like real debit it isn't necessarily bad as long as you have a valid plan on how to repay it. And, like real debt, taking on technical debt may all

Agreed, just like real debit it isn't necessarily bad as long as you have a valid plan on how to repay it. And, like real debt, taking on technical debt may allow you to do things that wouldn't be possible otherwise (getting a product to market in time for example), similar to how if you refuse to borrow money to buy a house / car but save up for it instead you'll probably have to wait a long time before having it. The problem though is that in the financial world there are rules and often laws about how much debt is acceptable and a bank will generally refuse to let you get into dangerous levels of debt whereas there are no such rules concerning technical debt so a company can keep piling it on until it eventually causes a collapse.