Controversial idea: Technical debt is something that 'business users' don't need to or want to care about. If you're having conversations about technical debt, you've messed up, and you will continue to have unsatisfactory outcomes until you stop doing so. You can't tell people; here is a dial, you can pick 'fast and you're screwed later' or 'slow and careful now'. You're setting yourself up for failure; they cannot…
Not sure I agree with the theme of this take. Technical debt can be significant and take months to address on a large codebase. This take also places a lot of blame on the devs who have to work on tech debt, where in reality, it's often another dev who wrote the original code(usually several years ago, and no longer at the company). Things are more complicated than "just deal with it and hide it under a rug".
I think the premise is that if you've got months of technical debt built up, you've already screwed up. If you (and everyone else on your team) refuse to ever take shortcuts, you'll end up debt free.
If you're already in a situation where you have mounds of debt, yes, you can't just increase your estimate for current tasks.