Many people can’t be fucked to pay certain debts. Medical bills? I don’t give a fuck, if my insurance didn’t cover it you’re shit out of luck. No I’m not logging into some website and putting in a credit card to pay. I don’t got time, and I don’t give a fuck.
And some go further. Student loans? Can’t be fucked to pay. The interest keeps growing and wipes out any progress you make on payments. So fuck it, don’t pay.
There’s even exercise debt. People let fat build up in their bodies to unhealthy levels, and they know they should pay down this debt to themselves before it kills them, but they just can’t be fucked. They stay fat.
The best way to deal with debt, is to never take the debt in the first place.
In all my years, I rarely see tech debt get paid off. What is more common is the team declares bankruptcy and builds up an entire new project to replace the one that was indebted.
Worse, if you do pay tech debt off, it encourages taking on more debt in the future since there is a precedent for it getting paid off. It makes your tech credit score go up.