Sure, fine, the PM can give this as the requirement and all can go ahead. But you're gonna have a crap time trying to analyze and test in staging, making sense of load testing scenarios, validating this feature in anyway, etc.
And I think you know this, or you intuit that this is not very good but you're not quite sure why so you say hmm let's slap a label on this that effectively covers my spidey sense that it is crap even though I can't quite articulate why. What should we call that... hmm... oh, let's call it:
"Tech Debt."
This is precisely how "Tech Debt" is wielded. It's a fuzzy term to apply to a fuzzy understanding of our design choices.
And there you might say, Great, that's it, that's what Tech Debt is. But I can guarantee you -- from long experience -- that not understanding the consequences of your design choices means that you have NO IDEA the cost of that misunderstanding. It could be 10 units, it could be 1000 units, it could be 10000.
"Tech Debt" is akin to saying "I don't know." This is a big reason why the concept is useless. It's fuzzy, it's akin to saying "I don't know" and therefore there is no way to quantify the impact.
And not being able to quantify the impact means that the analogy to other forms fo debt (eg, financial) is completely disjoint and unhelpful.
Bad design choices cost you over and over again. Universally when someone has called Tech Debt on something, it almost inevitably reflects their suspicion that something is not quite right about the design but their inability to say what and quantify the cost. Otherwise, you simply would not need such a fuzzy term; you'd have a much clearer analysis and articulation of your situation.
> Contrary to what seems to have been your experience, I've seen technical debt incurred to great benefit.
Write a paper then and show me the money, so to speak. Quantify this. Because the only "great benefit" I've seen of the term "Tech Debt" is to the ego of the individual or team that invokes the fuzzy term.