I think the main difference is that technical debt is not fungible, i.e. you can’t necessarily easily choose to pay off the highest-interest technical debts first like you would for your personal financial debt.
put another way: you can have one item that is 5 days of work but really critical and another that’s 2 days of work but way less critical. If you have 2 days to work on tech debt, you basically are forced to do the 2 day one. especially since you are evaluated on what you finish, not how much you worked towards some long goal.
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I think the main difference is that technical debt is not fungible, i.e. you can’t necessarily easily choose to pay off the highest-interest technical debts first like you would for your personal financial debt.
put another way: you can have one item that is 5 days of work but really critical and another that’s 2 days of work but way less critical. If you have 2 days to work on tech debt, you basically are forced to do the 2 day one. especially since you are evaluated on what you finish, not how much you worked towards some long goal.