To me at least, what OP described as "conceptual debt" is really just design debt. Which all seemed like down to earth technical debt. I honestly see no reason to distinguish the three. Plus they typically stem from the same sources - that is, enterpreneurs and managers that want an MVP without actually grokking the V bit in the latter acronym, and managers who cut corners to slash short-term costs.

By contrast, technical debt is very different from, say, organizational debt. Which arises when your organization's staff grows faster than it's able to organize the workload around new hires.