I agree with many of the points you make, I don't agree with your assignment of blame. Good developers can make bad decisions. It's just that it may not be seen for a year or two. In a SaaS platform it's hard to see around a corner a year from now.

The thing about technical debt, is that once you have accrued it, it doesn't really matter how it got there. You either accept it exists and carry the balance or fix it. And typically, it's the role of management to recognize this.