On a 6 month contract you haven't been around the code long enough to know what is tech debt and what is a good solution for a complex solution.
Though your point is correct - you rarely are given time to fix tech debt. If you switch to a long term employee, then you should intentionally slow your velocity a little to fix tech debt. By the time management catches on you will have fixed enough that an improvement is visible and so you have proven yourself, and thus will be allowed to do more of it.
Also note that a story isn't done until refactoring is done. Sure it works, but if the code is a mess your story isn't done and you don't move onto the next one. Many developers fail to force this, but as a professional this should be part of your code of conduct and thus not optional no matter what the deadline.
In any case the point is you will never be officially given those 5 points - but you can take them by force.