Fred Hébert on his blog:

... sooner or later, people start misinterpreting the original intent and thinking of technical debt the same way you could think about financial debt: a lever to use in order to get something now and then pay the accrued cost progressively over time. This is however not how things feel from the technical person's point of view. ... Rather than focusing on why that is wrong, I want to propose an alternative analogy to describe the reality behind technical debt.