Technical Debt = When you coded without thinking AND your project is successful and growing. It's debt because now you have to go back and fix/change the code.
Technical Grant = When you coded without thinking BUT your project is NOT successful and fails. It's a grant because it saved you time.
Most projects / startups fail so for most people "Just Do It" works better. Plus the product you envision is almost never the product you end up with. So all that thinking you invested can be a waste of time.