I think the author is basically diluting the term "technical debt" to the point it becomes meaningless. Much of what they are talking about is the inherent difficulty of managing complexity, mixed with the difficulty of understanding requirements/defining features well. I think "technical debt" as a term is overused and sometimes misapplied, but the core idea resonates with many developers, at least the way it is mos…
What I don't like about "technical debt" is that it's usually interpreted as "technical" debt: it's only a problem for the developers, the techies. You immediately lose the business stakeholders once you start talking about technical debt. But the problem of technical debt if a problem for everyone, not just the devs, because it is reflected in quality and time-to-market. I feel having that conversation about time-to…
I think that if this is the case, you are presenting it wrong. Business types are very familiar with the tradeoffs of debt financing, you have present it as being paid in effort vs. $ (which after all, have a close relationship) and they will immediately understand that a large technical debt means you can get less desired stuff done for the same input of effort. And then you collectively decide.
Agree you have to be careful about what you present as technical debt. If you need buy in from the business side, you don't want them thinking "that's just what they say when they want more time, it doesn't mean anything". It has to be pretty concrete.