The name "tech debt" has always been a bit of a misnomer. Financial debt does come with interest, but it's structured, proportionate, and you can just go pay it off with sufficient money. Tech debt is unpredictable, needs a lot of context to comprehend, needs even more to fix, is subject to the mythical man month, and taints everything else it touches in your product. It can be worth accepting such a structural flaw into your product, for a time, but it's certainly not like asking for an extension of credit.
It's a struggle to come up with a better name, though.