Just as we have Technical Debt—the cost of choosing an easy solution now instead of a better approach that would take longer—organizations accumulate Human Debt.

Human Debt™ is not a culture problem; it is a risk accumulation problem that affects execution, governance, and system reliability.

Human Debt is the accumulation of emotional baggage, lack of psychological safety, and unresolved interpersonal friction within teams. It is the silent killer of innovation.

When Human Debt is high, "Agile" becomes just a label, and "Digital Transformation" becomes a money pit. You cannot build new technology on top of broken human systems.