All those examples were borrowing money. What you're describing as "technical debt" doesn't involve borrowing anything. The equivalent for a vacation would be to take your kids to a motel with a pool and dress up as Mickey Mouse and tell them its "Disney World debt". You didn't go in debt. You didn't go to Disney World. You just spent what money you do have on a shit solution. Your kids quite possibly had fun, even.

> term technical debt has historically been used

There are plenty of terms that we no longer use because they cause harm.