I've never really considered it that way, but you're totally right in that tech debt is exactly that: debt. Having a credit card isn't a bad thing if you can pay it off in a timely manner, just like writing "bad code" or rushing a feature for a timeline isn't necessarily bad if you take time to pay down that debt after release. But if you have a pattern of consciously choosing to add features and never pay it back, then you start to get in trouble.
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I've never really considered it that way, but you're totally right in that tech debt is exactly that: debt. Having a credit card isn't a bad thing if you can pay it off in a timely manner, just like writing "bad code" or rushing a feature for a timeline isn't necessarily bad if you take time to pay down that debt after release. But if you have a pattern of consciously choosing to add features and never pay it back, then you start to get in trouble.