No metaphor is perfect. Note that a lot of debt doesn't have fixed interest rates. And the value of dealing with regular debt also declines when the asset pric

No metaphor is perfect. Note that a lot of debt doesn't have fixed interest rates. And the value of dealing with regular debt also declines when the asset price drops, which is one way we get corporate bankruptcies. Possible imperfections aside, the question is whether the metaphor is useful. I've found it very helpful dealing with business-educated but non-technical stakeholders, because it can get them from the "just keep cramming features in" mindset to understanding that code quality has business implications, and isn't just devs being prima donnas. If you have other ways to get that mentality shift, do tell!