I dunno. I think “cognitive debt” is just a fancy-pants way of saying “not knowing how your shit works.”

This is no remarkable special condition that needs a new term. It’s just that people have a limited grasp of details when they’re not involved in the details.

If not for a term like “cognitive debt” to make it seem special, we might conclude a lot of those predictions about how AI would hurt software development were right.

https://simonwillison.net/2026/Feb/15/cognitive-debt/

How Generative and Agentic AI Shift Concern from Technical Debt to Cognitive Debt

This piece by Margaret-Anne Storey is the best explanation of the term cognitive debt I've seen so far. Cognitive debt, a term gaining traction recently, instead communicates the notion that …

Simon Willison’s Weblog

@paco we as a society have been in serious "cognitave debt" for decades. Computering became a shit sundae of frameworks on top of containers within VMs floating in a cloudy cluster sauce of somebody else's servers that no single person knows WTF made this all work.

Then #LLM based #GenAI came along and we are not just in debt we are now Cognitively Bankrupt. I thought we hit rock bottom when web designers started saying they needed 32GiB to build their fekkin' websites but then all...this...came around and we started telling Rube Goldberg to hold our beer as we cooked the planet to make computers be bad at math and make memes and tacky art and write bad code and invent new and incurable injection vulnerabilities.

Inventing snappy new terms for shitty old problems is just another sign of how things are spiralling faater and further down the toilet TBH.

I'm not bitter I'm just a cynical old Gen X man. Whatever I don't care 

@msh @paco
There are some frameworks that feel a lot like that.
Then there are technologies that feel more complex than they need to be. But actually, each piece solves a real problem you'll eventually run into. Like Kubernetes.