Inaccurate or not, it's understood by people what "tech debt" means and the point of communication is to express ideas to others. Even if it spits on the queen's english, it furfills its goals. I lack the clout and energy to try and oppose and change such ideas (and to be frank, it wouldn't make the top 50 of things I would influence if given those factors).
We have 1 poster abusing it and getting called out for it.
I get to define my intent, not you. You cannot call someone out without disagreeing with the behavior or words that you're calling out. So congratulations on stating the obvious I suppose.
My thoughts are laid out above. I have nothing more to add on the subject. You win, and I apologize for failing to understand your point.