We don't know the future. Since that's not going to change, we need to stop blaming technical debt on the repercussions of that fact.

We want houses before we can save enough money to afford them. We want applications before we know how many users will be slamming our servers. The common denominator here is time. We're trading in time - the only question to ask is whether it's being done for the right reason.

The wrong reasoning is usually something like "it would take too long to understand how to do it better".

When a better solution is understood to have obvious merit but nebulous short term applicability - that's probably good technical debt to take on.