[spottybanana]

I think the whole term "technical debt" has developed as a part of business and technical team negotiations. The technical team prefers to improve their own job comfort, doing tasks that make their job more comfortable and stress-free, but doesn't really add business value in terms of revenue and profit. The business side isn't aligned against this work, but their priorities are on the other side. "Technical debt" is a great term from negotiation viewpoint, because for clueless business leaders it gives the impression that the tech team is paying debt when it is doing this low-risk low-reward activity, when it actually isn't.