The best analogy for technical debt is debt - that is where it got the name from! Just like financial debt, technical debt is not necessary a bad thing, but a tool - and something to manage, control and track. And just like financial debt, taking out too much technical debt without paying it back can crush you. There is nothing wrong with taking out a mortgage (and thus getting into debt) to buy a house - you just ne…
The difference though is that financial debt is very easy to measure and quantify but technical debt is not. I like the Tetris analogy because that game has a type of debt that anyone who has played it can understand, yet is not as easily quantifiable as financial debt.
While I fully agree that financial debt is easier to measure, and some forms of it are very easy to measure, I don't think it is always very easy to measure. Perhaps it may be a difference in what counts as debt, but I see many people engaging in decisions that require future payments without considering those payments at all, much less viewing them as debt. For example, getting a pet dog can have numerous costs associated with it but people don't always consider these as debt. And the average person (fully based on my own personal anecdotes) isn't going to be willing to give up the dog just because it is costing them money. So while there isn't a legal due that you can be taken to court for, I still think it counts as a form of debt.