The types of tech debt described don't really match well to the real problem ones I see. These are major decisions deferred / delayed that never got rectified a

The types of tech debt described don't really match well to the real problem ones I see. These are major decisions deferred / delayed that never got rectified and the cost has risen exponentially to address them. To get them done requires a total stop-the-world type effort with simultaneous migrations across multiple teams / services / products.