I agree with "Debt is neither good or bad, it's all down to how you use it.", but this not the central point of the article. The article's differential contrib

I agree with "Debt is neither good or bad, it's all down to how you use it.", but this not the central point of the article. The article's differential contribution relative to other bog-standard tech debt articles is thinking about it as derivative. In the financial world, the behavior of derivatives is more complex and less predictable. Here is an excerpt showing the tech-debt-as-derivative metaphor in action: > ... someone called you out of that debt. If we really want to stress the financial terms this is your margin call. Your users demand action to deal with your debt. Remember: tech debt is not "literally" debt. It is a metaphor; a useful metaphor when used mindfully.