This article frames technical debt as something that happens passively because you can't know future requirements. That's sometimes true, of course, but in my experience the majority of technical debt is accrued deliberately in a much more active process.
When developing a new feature that doesn't neatly fit into the existing system, you must choose between two compromises:
1. Build it the "fast way", shoehorning the feature into the system just enough to work, compromising quality for velocity and accruing technical debt; or
2. Build it the "right way", adapting the system to accommodate the new feature, compromising velocity for quality to avoid technical debt.
This is usually a deliberate decision, so choosing to accrue technical debt is an active process. The only way it could be passive like the article describes is if the developers don't know or otherwise don't consider the "right way" and go straight for the "fast way". I hope to never work on a team that operates like that.