A little debt speeds development so long as it is paid back promptly with a rewrite. Objects make the cost of this transaction tolerable. The danger occurs when the debt is not repaid. Every minute spent on not-quite-right code counts as interest on that debt.
>> Cunningham disliked the notion that technical debt signified “doing a poor job now and a better one later.” This was never his intention.
You can split hairs of weather code was poorly written vs written from an underdeveloped understanding of the problem, but the effect is the same. People have to deal with suboptimal design decisions repeatedly until they are corrected. To extend the debt/interest metaphore, these poor decisions also undergo compounding if not paid back.