From silvrback.com (via Michael Tsai):
For a while, I’ve been using a different definition of Technical Debt. It helps teams frame their work in a way that highlights their choices and it can lead to better ones.
Technical Debt is the refactoring effort needed to add a feature non-invasively
Yes.
But with their example -- granting it's a simplest case, "staged house" example -- no. No. Heavens no.
While they admit it a bit...
It’s easy to challenge this example. It borders on over-engineering.
Yes. It doesn't just border, it's over the line.