I would totally count over engineered a technical dept. Any design choices and implementation choices that make a code base limited in its future abilities to c

I would totally count over engineered a technical dept. Any design choices and implementation choices that make a code base limited in its future abilities to change and evolve, and which causes it to require more time and effort to be understood, I consider technical dept. The dept is that you take time and effort from your future to save time and effort in your present.