We talk about organisations applying Scrum but what we're really referring to are groups of people, and depending on those people, their mindset, their history and their current role requirements - they will use the Scrum model in their own idiosyncractic way.
Take the point about technical debt and running so fast with an Agile development workflow that you never get to refactor code or properly document etc.
Even if you just took that in reference to one specific company, the value of, cost of, and importance of these things could be different at different times.
When a startup is running to get MVP out to get customer feedback, it's usually much more efficient to set the basic expectation that the first version of your product will get thrown away once you've learned all the important aspects of what you need to deliver. With that in mind - startup development is a completely different beast than when your product is established and you have paying customers with expectations of up-to-date documentation etc.
Some managers are do not have good people skills and manage by just holding developers to account based on the expectations set in their Scrum planning day. Discussions about whether refactoring should be done yet or not may not even be something they want to know/talk about and they rely on engineers to factor that into their sprint estimates.
Depending on whether the company is being driven by sales/demo opportunities, or feature roll-out timescales etc. then the call about whether to do something 'quick' or 'right' may drop either way.
For developers it's important to understand the dynamics that are driving the business and what their role is (sometimes you have to 'JFDI'). If you have a good engineering team with a strong leader then these things shouldn't be that visible to anyone else. It's also important to be able to meet the expectations you set. If you keep delivering late then you'll also struggle to get people to let you do more than the minimum required at the time.
For the business as a whole it's all about the big picture and understanding the decisions you make and what their impact (short and medium term) is.
If you want quick releases and don't have the resources for that to allow for good documentation and/or scalable code, then you need to understand that technical debt is building up and at some point it will need to be paid.
