This seems more like an example of procrastination not technical debt. Technical debt as I understand it requires a previous decision to impeed new decisions/progress because it wasn’t done properly the first time.

A better example would be he wants to add a brick chimney to the roof but can’t because the roof is made of straw thatch and can’t support the weight, so it would need to be rebuilt first out of timber, and then a chimmney can be added.

I always picture a swashbuckling pirate jumping down my throat, using his knife to slow down his decent like in the cartoons when they did it to the sails on the ship. ☠️

Yep I absolutely refuse to put any banking apps on my phone. The only thing that has access to my bank is me physically going there or logging into their website via my own computer. Fuck any app that asks for access to my bank account including autopay services thorugh third parties.

The only third party serive I use for payments is paypal and that only goes to my credit card.