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Technical Debt is the refactoring effort needed to add a feature non-invasively.

Toward a Galvanizing Definition of Technical Debt https://michaelfeathers.silvrback.com/toward-a-galvanizing-definition-of-technical-debt

"Technical Debt" is a phrase I consciously avoid using because people only hear the word "Optional".

Instead I try to find the appropriate Non-Functional Requirement, or System Quality Attribute that is failing due to the Tech Debt and use that word instead.

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Agreed. The term is totally misunderstood and generally seen by non-tech & tech people as something that can be fixed afterwards and not really blocking.

The truth is it is a Risk and any risk should be constantly measured, evaluated and continuously acted on. This is how I start conversations, sharing the risks before even mentioning any term.

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