As I’ve gotten more senior in my career, I think one of the most enlightening things has been anticipating debt before it happens (in planning/architecting), acknowledging it when it does and then taking prudent measures to minimize it and log it for future refactoring. It’s also been funny seeing managers try to rebrand tech debt with other business speak like “tech health”. Debt shouldn’t be a bad thing but one tha…
The term "debt" is really helpful. It also explains that while you can pay off debts by taking on other debts, there is a good reason why this is illegal (if done with money) in the real world. Technical debt in your solution is fine. Running a Ponzi scheme in your solution isn't.
Loan consolidation is quite normal in the UK