https://en.wikipedia.org/wiki/Technical_debt

Frankly, I'm a bit skeptical about this concept, especially because it does sound reasonable, but why isn't it a thing outside of IT?

How do architects of infrastructure, buildings or vessels deal with this? Do they use such concepts?

How do medical professionals deal with this, is it a thing for them?

I feel that Technical Debt is a term that often obfuscates what is really going on instead of clarifying it.