You may go in debt because you looked at the housing market and decided that now is likely a good time to buy a house with low interest rates. You take on a large load of debt, but it is done wisely based on currently information.
You may go in debt as a business operating on credit to fund an expansion that should pay off quite nicely in a few years time. Maybe it will fail, but it isn't a bad risk based on current knowledge.
You may go in debt for an education. Depending upon the degree and extent of debt this could be good or bad.
You may go in debt by spending beyond your means on a credit card. This is generally unwise.
You may go in debt because of a medical emergency that is entirely beyond your control (especially in some countries, but even some countries with universal healthcare it is possible to need treatment that isn't covered).
All of these have something similar when dealing with technical debt. Sometimes it is a wise investment. Sometimes it is a risk that may or may not pay off. Sometimes it is beyond one's control. Sometimes it is poor planning that will be regretted later.
I compare technical debt to debt.
You may go in debt because you looked at the housing market and decided that now is likely a good time to buy a house with low interest rates. You take on a large load of debt, but it is done wisely based on currently information.
You may go in debt as a business operating on credit to fund an expansion that should pay off quite nicely in a few years time. Maybe it will fail, but it isn't a bad risk based on current knowledge.
You may go in debt for an education. Depending upon the degree and extent of debt this could be good or bad.
You may go in debt by spending beyond your means on a credit card. This is generally unwise.
You may go in debt because of a medical emergency that is entirely beyond your control (especially in some countries, but even some countries with universal healthcare it is possible to need treatment that isn't covered).
All of these have something similar when dealing with technical debt. Sometimes it is a wise investment. Sometimes it is a risk that may or may not pay off. Sometimes it is beyond one's control. Sometimes it is poor planning that will be regretted later.