Its the quick hacks and shortcuts that accumulate debt fastest.
This seems like a reckless way of regulating your motivation at work IMO. I don't mean to be snarky. But it really does put a lot of risk and cost on your colleagues, doubly so if you're leading a team, /and/ puts a lot of risk on your own career and reputation.
If you need to over-engineer everything to stay motivated, you need a different job. A job where the _problems_ are hard and the challenge is to find simple solutions to them, instead of the other way around.
"My job doesn't stretch me."
"Why don't you get a job which stretches you?"
"Who said I don't have a job which stretches me?"
Sure, if the task is to rip the system to shreds and improve it, go ahead. But often I look in to it and see the problem can be solved by fixing a single line that was wrong.
I've never seen it phrased like this before, but I like it and there's truth to it.