[svnt]

It applies to every organization. You have to take some of it on unless you turn minerals into revenue using only processes and systems that can be recreated from scratch at will irrespective of who your employees are. Since no one can do that, everyone has it.

Taking it on unnecessarily is bad for the health of the business and worse than financial debt because technical debt, unlike financial debt, is not fungible.

[yunwal]

Right, but what I mean is, not every organization out there is actually modeling their tech debt as debt. If you're using the word "tech debt" without doing calculations like "what interest am I paying on this?" or "what's my per-sprint payment if I want to fix this over the next 2 months", then you are using the phrase wrong. It's just a TODO at that point