The one thing I would add is sometimes tech debt needs to be paid off at unexpected times. There have been several instances in my current work where a piece of

The one thing I would add is sometimes tech debt needs to be paid off at unexpected times. There have been several instances in my current work where a piece of the application broke due to poorly written code, and refactoring was an immediate need, no matter what else was going on. I imagine home loans would look a little different if there was a small percent chance on any given day that the bank would show up and ask you to pony up. But in general, debt can be good given the right agreements in place.