"Technical Debt" seems a trite, overly simplistic, if not downright misleading metaphor. No other engineering discipline uses metaphor (as does software "engineering"). They all use analysis.
An in-all-ways superior, analytical model you really ought to know is outlined here:
An in-all-ways superior, analytical model you really ought to know is outlined here:
https://witseie.github.io/software-dev-3/docs/lehmans-laws.p...
RIP, Professor Lehman