This article discusses the dangers of accumulating technical debt, especially in the context of rapid AI advancements. While it may seem beneficial to defer debt repayment for future improvements, this approach can lead to an overwhelming complexity that even AI tools can't manage. Developers must balance short-term gains with long-term sustainability.

• AI-assisted coding tempts developers to defer technical debt indefinitely, betting that future model improvements will make it cheap to fix later, with some codebases growing past 40,000 lines/day.
• This bet assumes AI capability growth continues indefinitely, but once it plateaus, accumulated debt becomes unfixable by any human or AI.
• The result is "subprime" technical debt—debt whose risk was mispriced on the assumption of endless future gains, setting up an eventual reckoning.