There’s a concept making the rounds right now called cognitive debt. Margaret Storey wrote about it and it resonated hard enough that Simon Willison and half of Hacker News started nodding slowly in recognition.
The idea: technical debt is in the code. Cognitive debt is in people. When a system evolves faster than the shared mental model of that system, the gap is cognitive debt. You end up with software that works but nobody really understands. The code is there. The understanding isn’t.








