> Users don't care about technical debt.
>
> > Falsehoods Project Managers Believe About Technical Debt
If users care about something, then it's either a missing feature or a bug (/ UX flaw), _by definition_.
Sure, we could argue definitions, but over the years I've concluded that "technical debt" is only a useful label if it means "things that make development harder but don't impact the user interface."
Latency optimization? That's a UX improvement, not tech debt.
Supporting characters in existing customer names? Bugfix, not tech debt.