Yes, and I think that is what makes risk assessment hard. All debt packages risk. However, the kind of debt/risk perception we are personally conditioned aroun

Yes, and I think that is what makes risk assessment hard. All debt packages risk. However, the kind of debt/risk perception we are personally conditioned around in daily life does not translate to software. Managing software debt requires investment banker-like thinking, rather than the mindset of a credit card or mortgage holder.