I like that too. However, “cognitive debt” points to the possibility of cognitive overload, that the code can become so complex and inscrutable that it may beco

I like that too. However, “cognitive debt” points to the possibility of cognitive overload, that the code can become so complex and inscrutable that it may become impossible to comprehend. “Comprehension debt” sounds a bit weaker in that respect, that it’s just a matter of catching up with one’s comprehension.