This book describes this concept. You create design debt when you crank out a solution without regard to its design simply to meet a deadline. It works and is "done," but at some point in the future if the system lives on, you're going to be compelled to clean it up, i.e., pay the debt down. And it may not be on your terms when that time comes.
If the overall benefit is greater than the cost, you're winning. If not, what are you thinking?
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