IMO technical debt does not discern between different types of software. If you make a mistake (or are not 100% correct) you will need to fix it unless you are willing to provide your customers less than perfect software.
Maybe an appropriate way to look at this is that the developer working on the feature could only need the company to take $100 in debt, while another developer needs the company to take on $100,000 in debt for the same work. Typically this difference, unfortunately, does not reflect in the individual developers' salaries.
I think it's marginally useful to think of low vs high interest debt in terms of technical debt. I can make assumptions that certain areas of software will not change in the future, but that in itself becomes technical debt. Now future features have to be designed around the idea that certain features are off limits. Sounds extremely risky to me to try to hedge your bets on this kind of foresight. On the other hand, I think it's extremely useful to examine different libraries / modules as having different levels of technical debt, but the metaphor stays intact. You just look at your software not as a single loan, but many micro? loans.
I don't want to sound overly pessimistic here, but in my personal experience companies from second and third-world seem to have learned expertly how to exploit the "humanity" angle to outsiders while secretly exploiting their workers
internally.
Can't say I see this in black and white necessarily, but I strongly suspect these companies (conglomerates of 2nd and 3rd world countries especially, and even their governments) realize this is the vocabulary of the 21st century and are using this to try to continue marketing themselves.
EDIT: In no way do I think first-world companies / countries are pure. I just notice this and its impact far more with respect to 2nd and 3rd world.
Maybe an appropriate way to look at this is that the developer working on the feature could only need the company to take $100 in debt, while another developer needs the company to take on $100,000 in debt for the same work. Typically this difference, unfortunately, does not reflect in the individual developers' salaries.