Great article. Notice in the section "The 6 Types of Tech Debt", there's nothing about sloppy, badly-written code.
Good point.
It's kind of a pet peeve of mine around technical debt. Some programmers and places I've worked get it wrong, so I refer people to Ward Cunningham's explanation: https://www.youtube.com/watch?v=pqeJFYwnkjE
I see. Thank you for sharing the video - it's a nice explanation of the technical debt metaphor.