Again, the analogy is crazy good. You're just ignoring the interest payments. If you're actually not feeling any pain then it's quite likely that you haven't ta

Again, the analogy is crazy good. You're just ignoring the interest payments. If you're actually not feeling any pain then it's quite likely that you haven't taken on what I'd call technical debt (or that you've taken on some sort of deferred debt, similar to 0%-interest-for-1-year style furniture purchases). The interest payments are analogous to friction that you ought to be feeling day to day when you're carrying around technical debt. New features are more expensive to build, more bugs are popping up in these areas that are slowing the team's progress, etc.