[Spivak]

These points aren't as opposed as you're making them seem. Throughput is better with careful planning and good design is an investment that pays off later.

Slapping it together pays off today but at the cost of acquiring a debt that costs lower average velocity and lower agility until its repaid.

A lot of small businesses make the decision to take on debt to move quickly at the beginning because the most important thing is initial growth and proving that you can actually make money.