Tech debt is categorically unquantifiable. Most of the time it's more of a feeling than a number, and it's not an accessible number ever. What's the ROI on paying down debt? Hold as is, renegotiate, or extinguish? It's the same calculation that goes into deciding which of the five thousand value-add proposals to prioritize. The piece is unconvincing for that reason. There's an assumption that TD is known, and an implicit assumption that the ROI on its remediation is known. Neither of those is true. Systems evolve to where they are, with all their TD warts, because value-add was prioritized.... and then we have TD. I reckon we should just live with that uncertainty, move the product forward, calculate ROI using the same bogus productivity metrics we always have, and stop inventing "better" systems which are just another form of magic, but manage to suck up time and resources not required by accepting on faith the old bogus metrics.