Tech debt is always bad
There is no good tech debt. Whether it matters or not will vary.
Tech debt starts when you start defining your requirements
"Having been through lots of requirement gathering exercises, evaluating...even at that point, and I'm sure you've seen it in your organisation, we often just jam through requirements because it ends up being a compromise rather than a consensus just to get the stuff through."
Neil McMurchy, expert Advisor and ex-Gartner, talks about where tech debt starts, and approaches to that gap between systems requirements and business need.