You’re nit-picking when I think the analogy is clear but it doesn’t effect your credit if the company you work for declares bankruptcy, so the comparison to the company’s tech debt seems to hold up even if you push it.
The whole thread is nit-picking. The point of bankruptcy isn't "fuck being fiscally conservative - we don't even know we want the stuff we're buying so who cares if we can pay our credit card bills", whereas that's literally how you should approach some projects.