> Organizational debt can create technical debt and may be the single biggest cause. I agree with this. E.g. an organisation without a clear and concrete visio

> Organizational debt can create technical debt and may be the single biggest cause. I agree with this. E.g. an organisation without a clear and concrete vision (but with a lot of fantasy) is inherently creating technical debt since it's unclear to the developers what exactly needs to build and what the important parts are. It's usually that within these organisations every other week a new feature is dreamt up by management that HAS to be included asap or the company might miss out to the competition. Usually management in these type of organisations also LOVE Agile which to them pretty much means; just make shit up as you go along.