Hi Samir — great question. I’d think about it this way: you take on tech debt when you need to build something quickly AND you don’t know it’s going to work. If you knew it was going to work, you’d probably build it properly (some exceptions aside).
You can end up with two scenarios. If what you built doesn’t have the impact you wanted, you can abandon it completely — and you have no interest to pay. Alternatively, if what you build is successful, then you have to pay the interest because you generally keep building from there.