Don't think too much of it - http://swreflections.blogspot.com.au/2012/12/dont-take-technical-debt-metaphor-too.html

Some common behavior show we need code refactoring - http://agiledevtest.blogspot.hk/2013/11/14-code-refactoring-smells-you-can.html

If technical debt behaves like a financial debt, logical debt behaves like a learning debt, which is much more impactful. - https://betterprogramming.pub/logical-debt-is-much-more-devastating-than-technical-debt-79e4d4773744