I think one nuance that is missing here is what "product" means. In the most broad sense, tools such as bc and dc are indeed products. However, I think the disc

I think one nuance that is missing here is what "product" means. In the most broad sense, tools such as bc and dc are indeed products. However, I think the discussion of technical debt tends to focus more around larger scale products created by commercial development teams. That certainly affects the nature of technical debt.