I don't believe that, even in the short run, taking shortcuts actually saves you time. It's much like working 12 hour days - you feel more productive, but you're not actually getting any more done on a larger scale. There's an obsession with 'hurry up and get it done' that contributes little on a larger scale. I also don't believe it's possible to pick the 'important' areas of code a priori and make only those areas…
I agree with all of your points and just wanted to add one more thing that doesn't seem to be addressed much. The author mentioned technical debt didn't have an "interest rate", but it absolutely does. As soon as you start to add debt to a particular part of the code base, it must be paid back immediately the next time you or someone else has to work on that same section. This may genuinely not matter for a one-off script, but if it's code that will ever be worked on again it can start a snowball effect that causes the interest to compound and usually manifests itself as code that's buggy, unstable, and hard to work on.