Tech debt is inevitable and is good as long as you keep the level of debt reasonable, so maintanance cost doesn’t sunk too much of your dev time.

More good examples:

1. Technology progress: Long time ago JQuery was the best for UI library. Today you would use React or friends.

2. Company stage. As a early startup you usually prioritize for speed and validating hyphothesis. As you got a significant user base quality matters more.

3. Size of development team. With 5 or less developers having a monolite is good enough. With 50 developers you likely take more advantage of microservice architecture so each team can be decoupled and move faster.