Tech debt is such a flawed concept. There is no world where requirements 10 years later are the same as the MVP, or even foreseeable. You can never pay it off. Software is always changing.
Even if it were debt, debt is a tool to get you what you need today. And then you likely roll it into something down the line. Maybe you pay it off (and even then the asset still requires maintenance) Like a starter home, then upgrading to a larger home to start a family, etc, etc. Requirements and resources are in constant flux.
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