Random ha-ha thoughts:
Technical debt doesn’t just accumulate. It incurs interest, in form of features and dependencies that will break and will then need to be refactored when this debt is repaid.
Is it even possible to ever repay it completely?
I guess if we continue drawing parallels, you can also default on technical debt. That’s when you scrap the whole thing and rewrite it from scratch.
And finally, technical bankruptcy is when you lose it completely and start rewriting your API in BASIC.
10 PRINT "LOL" 20 GOTO 10
(seriously, get help).