> Tech debt is specifically borrowing against the right way to do something in order to speed up delivery but knowing that either the code will need updating later to cope with future requirements or that it is definitely not done in a reliable/performant/safe way and almost certainly will need visiting again.

Thing that many people do without even realizing they are incurring in tech debt. This kind of developers are the one that will just generate more tech debt with an LLM in their hands (at least now).