@lexx, i think most of the things you put in your answer were very reasonable and non-controversial and probably what most good senior-ish engineers do. I think the parent comment is slightly in his "local minima" and he's generalizing his experience to everyone else
>"Trying to persuade people to avoid technical debt at all costs" - put in a linter
This for example does not make sense to me. This would mean all tech debt is just static analysis. There is no linter for figuring out the correct abstraction and using them correctly.
Eg. no linter yet will tell you "hey you should have used a state machine here!"
You need a width range of experience before you can develop "better" taste in what's good and bad in different scenarios. Some of it can be gained from years of
experience, and some from exposure to books/code.