You take a loan to buy a house, knowing your salary will allow for the extra expense and you have backups plan. That's a responsible debt. Like, hardcoding some variables in a prototype - eventually that needs fixing. Everyone agrees this is technical debt.
But you can also take an irresponsible loan, eg for some far away vacations you can't afford to. Is that debt? Sure it is, and you better figure a way to solve it once you realize your mistake!