[dub]

The trouble with the term "technical debt" is that people tend to use it retroactively to describe messes which may not have been necessary or the result of an intentional technical choice.

It's uncomfortable to say, "In retrospect that was an unfortunate, unnecessary, and shortsighted choice that didn't really save any justifiable amount of time or money", so instead people say, "We've accumulated some technical debt" to cover up mistakes instead of acknowledging and learning from them.