When you take a debt it's usually to finance something. Focusing the wording on debt highlights the negative side of the trade off. It's like we're suddenly all turned fiscal austerity hawks, where any bit of debt is evil.
I feel like developers are each placed somewhere on a continuum from purist to entrepreneurs. Purists can spend weeks to tweak an SQL query, while entrepreneurs would be happy with a no-code Zapier MVP that actually lands customers
It's not to say that one is always better than the other. A balanced team probably needs both. In our company, I'm more on the entrepreneur side (which I guess is good for launching a startup) but the recent addition of a "purist" to the team has improved our codebase significantly.