We are not accruing technical debt to ship these features. Quite the opposite, because we ship the minimum viable change we keep things as simple as possible, preventing un-needed complexity that can slow us down later.
I like the perspective I recently read here that you should avoid the debt with a high interest rate. If you got a fundamental concept wrong and that mistake spreads throughout your codebase that is much worse than an isolated piece of code that could be better.
