Unfortunately I think Cognitive Debt is the cry of the software craftsperson who thought they were an Engineer. Upon working with the agent subcontractor, the agent factory, the agent part vendor, they approached it as a craft; they found themselves wanting to walk through the offices of the subcontractor reviewing screens, inspect pieces at the factory, and get the internal design for the parts they ordered. It's na…
There is no party capable to take responsibility on the other side of the handover protocol.
You would need the agent to be a processing step owned by someone responsible. But the intelligent part of an agent is what makes it viable as something more than a processing step. What to do with an intelligence that can't take responsibility? Not answering this question leads to cognitive debt.