[marcosdumay]

> with financial debt you basically always have to pay it back in a way or another

Defaults exist. You don't always have to pay financial debt, and the case you described for technical debt is one of the main cases when people don't pay financial debts either.

IMO the biggest difference is that the carrying costs of technical debt are quite random. But people say that all the time already, and it's well known that they behave more like generic liabilities instead of debts in particular.