I feel like it is important to manage the risk and to clearly manage this debt. personally I try to stay safe from both debt and technical debt until there are sound reasons for both.
It is KISS stack for me personally (Keep it stupid simple)
I would still consider technical debt to be different than other forms of debt though, It feels way more of a tradeoff to me but perhaps all debt can be classified as such. Either way I think it makes for an interesting decision nonetheless.
If the product fails all technical debt goes away. So using technical debt to prove out a product is very different. Cause often times you don’t have the money or resources to build correctly at first since you don’t know if the expected payoff will be there