Technical debt is one of the most misused terms in engineering. The more useful definition: the gap between the architecture you have and the architecture you would build knowing what you know now — specifically, the parts of that gap that are actively constraining your team’s ability to deliver.
The framing that works is operational cost: this constraint adds three to five days of engineering time to every feature we build in this area. That is a business problem, not a code quality problem.
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