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I'd argue that "debt" instills an unrelated meaning. As well as "legacy" and "debt" mean different things, yet may be related in some situations.

What is technical debt today might actually be (considered) no debt at all later on (or even from the beginning, in the extreme case you're building something for once only), for multiple reasons.

The context matters a lot, and begets a more elaborate discourse than just "that's technical debt", which in itself means little of the possible or mandated actions.

(edited to refine)



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