[moxious]

That anchor effect of being slow is what I meant by "installment payments". Financially, if you have enough debt you can make $300k a year and still live in a crappy apartment, because all of your income (in this weird metaphor, that's your available dev hours) are being spent on debt (fixing things that wouldn't have occurred had you not had the debt)

[notender]

I will concede some points in your favor for that. I will counter with the fact that almost no CTO will change there deadlines accordingly, which leads to team burnout/turnover.