Buzz. If I hear that word ten times it means at minimum eight different things.
"Technical debt." More buzz. Sounds Very Intelligent but it's just bullshit. Why not call it what it is? Unfinished work.
And, oh, software development is not engineering. Engineering is a discipline; software development is mostly cock-polishing now. Real engineers don't cultivate "personal blueprint styles" that are as hard to read as they can make them.