Technical debt is good if what you can create quickly and dirty actually improves your productivity. That is what tools can do.
In the real world if I incur in debt and my debt pays for a tool like a car-truck that lets me move myself and my things faster, I am improving my productivity. Sometimes tens of times.
Think of the difference between a sewing machine and hand sewing. Hundreds of times slower.
I can pay back my debt faster with good debt.
In software, if I can make a tool that in a quickly and dirty way is able to do things in seconds that take me hours and fatigue me, then it makes sense.
Sometimes you can even use your quick and dirty tool in order to clean the dirtiness of your own tool way faster. That is what bootstrapping is all about.
That is what compiler writers have always done. They started in assembler, then created the core of the language, and then they used their own language in order to improve the compiler.
Other writers used languages like Lisp with super slow compilation, most of the time interpreted, in order to create the core of the language in days instead of years.
You don't see the benefit of shipping quickly. For me it is one of the most important things in the world. People's salaries cost more in direct proportion of the time it takes to do something.