To generalize that idea a little, I think about technical debt being the accumulation of less-than-perfect decisions, if you consider the decision you made agai

To generalize that idea a little, I think about technical debt being the accumulation of less-than-perfect decisions, if you consider the decision you made against the best possible decision that could have been made in hindsight. Sometimes that's not making things flexible enough, or too flexible, or not having all the requirements captured, or making technical bets that didn't pan out.