We were talking about another topic. “Temporary dirty MVPs” are only acceptable if their code will be completely thrown away. Otherwise, “there is nothing more permanent than temporary patches” (c) forgot who.
I get the sense that everyone here is imagining their own - very different - concrete example of tech debt, and talking entirely at cross purposes as a result.
This is why I say it's fruitless to discuss this without making clear what concrete examples we're imagining when we say 'tech debt'. I'm almost certain that you and I are not thinking of remotely the same thing. 'Tech debt' is very different from plain old shitty code.