Calling this tech debt stretches the metaphor too much. We're missing terms for this common kind of problem.

"We decided not to FOO" is already called tech debt.

Say "we MUST BAR but never planned for it" is an Oops.

And "SQUISH lacks any sense of consistency or intentionality" is a SNAFU.

And a "we don't all even have common language to talk about what we need to do" is a Whoopsie.

Then maybe we can also introduce sparkline graphs to help us visualize the effort needed to overcome it all: the Whoopsie-Doodle.