TDD and Technical Debt

So whats the relation between Test Driven Development and Technical Debt?

1. Technical Debt is a term inspired from Financial Debt that people fall into
2. People fall into Financial Debt when the spending to earning ratio gets out of order, spending more than money earned.
3. In most cases spending more than limit is because the concept of monthly finance budgets is lacking or not enforced.
4. The monthly budget that is setup at the start of the month or year is like writing unit test case. Then living the month by the budget is like writing exactly the code needed for the test to pass.

Hey -- so just like in real lives lack of Test Driven Development or not enforcing it does cause more Technical Debt.