[pydry]

It doesnt really help much saying that it should do these things if you can't say how much and in practice I find you rarely can.

"How much faster?"

"Dunno"

Plus, at least half of tech debt is about risk not time spent which is even harder to quantify.

For the kind of tech debt you are describing (e.g. making adding a 4th payment system easier) it makes much more sense to wait until it is needed again and to just do it (this offsets the risk of it never being needed at all).