That's an interesting question, and one I've looked at answering in part by looking at technology in terms of its mechanisms.

As I see it, it's possible to frame all technologies as being fundamentally based on one of the following mechanisms, interactions, or focus points:

- Materials: stuff, its properties, abundance, and sourcing and disposal issues. Wood, stone, ceramics, metals, fluids, chemicals, nuclear materials.

- Fuels: energy potential stored in material arrangements. Biomass, fossil fuels, nuclear fuels. This excludes energy flows such as solar, wind, tidal, and geothermal. Subject to limits in stores and creation rates. Result in waste products and phenomena.

- Power transmission and transformation: from simple machines to complex mechanisms and grid distribution. Levers, screws, pulleys, electromagnetism, beamed energy. This would include energy flows described above.

- Process knowledge: "technology" writ large. As J.S. Mill put it, the study of means, how to achieve some goal through some process or technique.

- Causal knowledge: "science" writ large. As J.S. Mill put it, the study of causes, or why the world is and acts as it does, based on empirical study.

- Networks: nodes and links. These may be physical or logical. Transportation, distribution, social, economic, commercial, political, and conceptual collections of loci and the connections and interactions between them. Famously give rise to network effects, also subject to hygiene factors (below).

- Systems: management of process with feedback and models. From basic polity to vast technological, economic, and ecological systems. "The Art of ship handling involves the effective use of forces under control to overcome the effect of forces not under control" -- Charles H. Cotter.

- Information: input, processing, storage, and output. From basic anatomical senses (sight, sound, smell, taste, touch) to language, maths, logic, abstract representation, manipulation, detection, transmission, reception, and retention. Capable of immense scaling itself, but often with profound limits on direct application.

- Hygiene: management of unintended and/or unanticipated consequences. All technologies achieve both desired and undesired effects, those may be manifest or latent, and may occur immediately or lagged. We tend to best cope with immediate and manifest effects, it is the lagged and latent ones that tend to cause the greatest trouble.

The technologies which seem to best fit your "credit card" model are those involving fossil fuels especially, materials resources formed very slowly or at singular points in time in Earth's history, and of hygiene impacts whose immediate and long-term consequences diverge strongly. Steve Keen (amongst others) shows that economic productivity scales near-linearly with energy consumption, yet we are using fossil fuels at rates millions of times greater than they accumulated. Virtually any mining activity represents extraction at rates greater than accumulation (the reverse is "farming", though even that can be problematic). Current industry has a strong reliance on a large number of elements and minerals, many of which are scarce or sparse. An example of the latter being "rare earths", which are not actually rare so much as they do not form ore bodies, and must be separated with high energy and waste-material costs from exceedingly low concentrations in the Earth's crust. Similarly, various emissions are often presumed or advertised as being low-consequence ... until they are not. Heavy metals, inert compounds (most notably hydrofluourocarbons), synthetic materials (e.g., plastics with bioactive and endocrinologic effects), and carbon dioxide resulting from combustion are all now major environmental concerns, initially dismissed, overlooked, or actively obscured by those with a short-term benefit from their use.

It seems that there are possibilities within process and causal knowledge, power transmission and transformation, networks, systems, and hygiene mechanisms for technologies which are far less prone to risk or debt-shifting. Though critics such as Tainter would suggest that complexity is its own inherent risk, with substantial justificiation.