technical debt is not always a "bad thing". Sometimes it makes sense to rapidly iterate until you understand what it is that needs to live on. If the risk for not getting the code out exceeds the risk for whatever technical metric is going to be improved by addressing the technical debt, then by all means iterate.
Or, to stick with the analogy more closely; what is interest? It's the cost of servicing a debt. Technical debt has a low cost to the extent that it Just Works. If it has to be constantly propped up, then it's high interest.
