I found this list really useful and will be sharing with my team. Thank you author and OP!
In my mind I’ve always categorized tech debt as being broader, and including pretty much anything that doesn’t have a direct benefit to our end users. So this can include things like moving our repos from Bitbucket to GitHub, updating a dependency that has a breaking change (e.g. migrating from one version of Bootstrap to another) or even something more significant like changing from a legacy authentication model to something more modern like OIDC. But I wonder if with this mental model I’ve taken it too far.