“The prudent debt example is deliberate because the team knows they are taking on a debt, and thus puts some thought as to wh...

“The prudent debt example is deliberate because the team knows they are taking on a debt, and thus puts some thought as to whether the payoff for an earlier release is greater than the costs of paying it off. A team ignorant of design practices is taking on its reckless debt without even realizing how much hock it’s getting into.”