Neither of these points argue that tech debt isn't a thing, just that it's impact is poorly understood. Companies have plenty of real debt, but still grow. Acc

Neither of these points argue that tech debt isn't a thing, just that it's impact is poorly understood. Companies have plenty of real debt, but still grow. Accumulation of tech debt might be a necessary cost much like servicing financial debt. Now the question really is - what is the interest rate of your tech debt? And that's harder to know.