I like the framing of tech debt as value-neutral; whether it's good or bad depends on how you use it (just like financial debt). Of course, all else being equal, you'd rather have zero debt. One higher level consideration that's particularly relevant for early-stage startups, is that you often simply don't have time to build the ideal "tech-debt free" solution. Focusing on 80/20 solutions almost necessarily involves…
(Pushing the analogy to a breaking point: Is adding a linter then, doing an audit and depreciating assets for "tech taxes"? Come to think of it "tech taxes" would be a fun alternative term to add to the "tech debt" family. "Hold on, just paying my tech taxes; npm install, npm audit, and npm run lint.")