Technical Debt Is Like a Tetris Game
The best analogy for technical debt is debt - that is where it got the name from!  Just like financial debt, technical debt is not necessary a bad thing, but a tool - and something to manage, control and track. And just like financial debt, taking out too much technical debt without paying it back can crush you.There is nothing wrong with taking out a mortgage (and thus getting into debt) to buy a house - you just need to understand how to pay it off.  Similarly, if you start a startup trying to find product-market fit before running out of money, there is nothing wrong taking on technical debt to do so, as long as you understand what you are doing.