Something I've realized, tho it's, as you write, seemingly against my nature as an engineer, is that there are lots of situations where it's reasonable to 'assume' technical debt to reach a more important goal.
We absolutely should continue discussing technical debt, but also in the context of 'technical revenue' and 'technical profit'.
Interestingly, 'technical debt' works amazingly well as a concept. I suspect it's not even really a metaphor. Consider that probably the most important pragmatic consideration about whether you should assume a debt (of any form) is whether you can expect to make all of the 'scheduled payments' that it requires. And even if you can, will you still have sufficient slack to be able to pay-off or pay-down other currently un-expected debts or expenses that you might incur between now and whenever it is you finally pay off all of the original debt?