[tqi]

> When we use the term technical debt, lots of non-technical people hear, ‘This is a technical problem, with technical solutions.’ This thinking couldn’t be further from the truth. If the organisation is responsible for the creation of the debt (as established above), it’s also responsible for the elimination of it. Debt belongs to the entire organisation.

This is a strawman.

[karmakaze]

[Up to the expected quality of a Medium post.]

It renames Tech Debt as an "organisational mortgage—a loan the business takes out against future capabilities to deliver, which has to be paid back with interest. In this way, it’s no different than any other loan, or any other debt the organisation incurs."

The difference of course is that this debt has a technical solution, as opposed to a financial one.

[xupybd]

Using resources to implement a technical solution is a financial cost.

Some technical debt is from poor planning and design. Some is from a choice to get things done now that are quicker and cheaper but will cause some pain in the future. In that way technical debt is different, but it still has a cost to solve.