Interesting to place the technical debt creditor/borrower relationship that way round: often it seems that it is seen as being the engineering team who are the

Interesting to place the technical debt creditor/borrower relationship that way round: often it seems that it is seen as being the engineering team who are the debtors, and the debt is owed to some sort of abstract entity - possibly the codebase itself. The developers wind up going to the business and begging for the time to pay down some of the debt, like a college kid going begging to dad to help pay down the credit card after they ran up too much of a bill. I much prefer this characterization, where the engineering team are the lender, and they can call the business in to confront them with the unpaid bills that are coming due and demand a structured plan for how they're going to clear down some of their debt.