Strong disagree on "technical debt" Rather, the entire world is built on it and there's some level of acceptance required, but we definitely need a shorthand phrase for "we're doing something stupid that will save us time now and make us hate ourselves a year from now" Edit: thinking on it, also "devops". It's really job title for "sysadmin but paid and owned by the software department to keep ITs fingers out of ever…
Debt has to be serviced, and if it isn’t some asset is probably forfeited or you can be forced into bankruptcy. Not so for tech debt.
Debt is known for certain in a measurable quantity. Tech debt is not measurable and only exists to the extent people argue it exists. Two engineers may disagree in how much tech debt there is.
Debt can be used to fund things with a clear nexus. I borrow $1m to buy a house. Tech debt is taking on often unknowingly or even as a result of software dependency upgrades (or cloud) that turn debt-free into debted software silently.
There are probably plenty of other differences that make it a sort of half-applicable metaphor.