> I'm sure there are some that also don't have a budget for fire insurance, or a security system, or whatever. For anybody who wants to gamble with no fire insu

> I'm sure there are some that also don't have a budget for fire insurance, or a security system, or whatever. For anybody who wants to gamble with no fire insurance, or not fixing tech debt, that's a conscious choice they get to make. A security system and fire insurance is at most around $2000/month, and it's a cost that is understood and often required by law. Diverting a $100k+/year employees to spend their time on tech debt is quite a bit more expensive. Companies rightly try to minimize time devoted to tech debt.