There are many different ways to describe this problem, and it's very possible that using a call option as a metaphor is a better fit. Unfortunately, "technical

There are many different ways to describe this problem, and it's very possible that using a call option as a metaphor is a better fit. Unfortunately, "technical debt" is the term that's currently in fashion, so you at least have to mention it when you're suggesting an alternative approach. Incidentally, we're big fans of Martin Cronje's article[1] which suggests that "technical debt" is a broken metaphor, and he suggests using "depreciating assets" as an alternative. [1]: http://www.martincronje.com/technical-debt-is-broken/ http://www.martincronje.com/technical-debt-is-broken/