The problem with the analogy of technical debt vs. real debt is that technical debt is the actual product itself. You aren't building a house using mortgage, you're building a house with shoddy materials and hoping you can flip it before it falls down on you.

I don't completely disagree with you at all -- there is a lot to building marketshare and having the dominant position. But I think you are way overselling it as an advantage. Being out in front and having the whole thing collapse on you is way worse than a slow start.

But again I think this conscious idea of doing quick & dirty is less prevalent than the debt caused by lack of experience and poor operations.