Systemic Debt: A Unified Theory of Technical, Organizational, and Personal Debt

This post was composed with the assistance of AI tools used solely for formatting and refining language. The opinions, experiences, and research presented are entirely my own. I strive to share accurate, well-researched information and welcome feedback or corrections. I support the ethical use of AI in content creation and firmly believe that appropriate credit is always due—even when AI plays a role in shaping the final product.