Technical debt is not accidental and it doesn't consist of small mistakes, but it's due to a deliberate decision to cut corners when trying to get product or feature launched. Just like financial debt is not accidental, but a deliberate decision. (although you could argue that credit cards etc can create accidental debt too).
Idea is that it's okay and usually a good business decision to accumulate some technical debt to speed up your product development, but you need to keep eye on it and reduce it regularly, because if it grows too large, it can totally halt your product development.