Personally I think the concept of Technical Debt is more obfuscation than it is really valuable. I know that there is a whole cottage industry of people helping organizations deal with it, but so be it.

To clarify my position I wrote this article below. One aspect is the fact that circumstances and thus requirements may change. This is not a misunderstanding or tech debt. This is just what it is, no need for any metaphors.

https://louwrentius.com/most-technical-debt-is-just-bullshit...