Sorry man, this is a common industry term and trying to change it to fit your description is not going to work when we all use that term every day to mean a very specific thing.

I like this because it implies the company pays for tech debt in any intelligent way. Instead of just letting things break and fixing them as you go.

Obviously technical debt has a monetary cost, that’s not the problem with what you posted. That doesn’t make all monetary costs technical debt.

This is just regular old debt, nothing ‘technical’ about it.