You never wanna intentionally repay tech debt as slowly as possible. You might be able to tolerate/ignore it for longer depending on the circumstance, but you always wanna get rid of it sooner rather than later.
Exactly. All tech debt is incurred from a loan shark at injurious interest rates. By definition, tech debt harms the development of a project until it is paid off, and the harm increases faster with more debt.
No. Debt is a tool. Sometimes it’s good to pay it quickly, but sometimes it’s better to pay it as slowly as you can.