More like: you know when you get home after a long day and you just toss your clothes wherever, then when you wash them you just toss the clean clothes on your bed rather than putting them away properly because 'i know which ones are clean'?

Tech debt is all the minutes you spend in the morning and each week on laundry day, sniffing stuff to see if it needs to be washed, and the massive organizational task you'll have to do if you ever buy lots more clothes or think you might bring company to bed or ever have to move to a new place.

Or: 'tech debt is at home in the mirror. That is its address.' 'yeah I hate kids.'