Technical debt is toxic.
Everytime you have to make a decision to either add more debt or not, stop and think. Taking on debt, technical or otherwise, is a big decision (or at least, it should be) and it should not be taken lightly.
Technical debt is not a student loan where the interest rate is negligible.
It's high interest.
It costs in time, money and developer morale.
- As new developers start and old ones leave, the interest quadruples as knowledge is lost.
Technical debt is not a mortgage where you'll pay it off in equal chunks over a long period.
You'll forget about it... until they take your house.
Unless it's critical, it will be forgotten about.
- More debt will keep being compounded on top of old debt.