Right, but what I mean is, not every organization out there is actually modeling their tech debt as debt. If you're using the word "tech debt" without doing cal

Right, but what I mean is, not every organization out there is actually modeling their tech debt as debt. If you're using the word "tech debt" without doing calculations like "what interest am I paying on this?" or "what's my per-sprint payment if I want to fix this over the next 2 months", then you are using the phrase wrong. It's just a TODO at that point