I don't see that as disagreeing with the parent in the end. The key words are 'decide to', which the parent already used. Once you recognize a problem and decide not to deal with it, it's technical debt. You're avoiding paying for the problem for some reason. Perhaps you hope to never deal with it, or perhaps you think you can get better return on your (time/energy) investment working on something else first.

The point stands: Unforeseen problems aren't 'tech debt' in themselves. They become tech debt once they are recognized and not dealt with.