This is a great article. I've also seen tech debt exacerbated by poorly implemented agile practices. One of the worst projects I worked on kept kicking the can down the road because of a misguided idea that everything should be a customer deliverable. So not only were we forced to work with crap, but we were disempowered from making it any better! It was a nightmare, motivation and team cohesion was non-existent and yes, turnover was very high!