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Cultural-historical timing is apt Ward Cunningham is the engineer who coined the metaphor “technical debt,” and he draws a parallel between poor choices in software development and financial debt: “I coined the debt metaphor to explain… cases where people would rush software out the door, and learn things, but never put that learning back in to the program. That, by analogy, was borrowing money thinking you never had to pay it back. Of course if you do that, eventually all your income goes...