In my experience, a principal source of "technical debt" is product owners who either impose deadlines regardless of estimates ("we need this by the end of the

In my experience, a principal source of "technical debt" is product owners who either impose deadlines regardless of estimates ("we need this by the end of the sprint no matter what") or "negotiate" estimates down with questions like "well could you do it faster if the code was shittier?" Neither practice is what I'd call "agile".