If the phrase "technical debt" seems a misnomer, consider: "pay me now or pay me later". TD is any code/architecture aspect to which PMNOPML applies. As with

If the phrase "technical debt" seems a misnomer, consider: "pay me now or pay me later". TD is any code/architecture aspect to which PMNOPML applies. As with gravity, it's going to suck whether one fancies the label or not.