[stcredzero]

Often, the difference between a quick solution and a good solution isn't technical debt! (So long as there isn't an impediment to adding them in the future.) Missing features aren't technical debt.

Technical debt manifests in a code base, most generally as various forms of pain that occur when trying to add features. That's how the company "pays interest" on the technical debt. Coding so that you can always change your mind, however that is accomplished, is the key there. (This is one place where the "Law of Demeter" really shines!)