"The code might have been messy,
but the deeper issue was that the team's shared understanding, the theory of the system, had quietly fragmented."

From Technical Debt to Cognitive and Intent Debt: Rethinking Software Health in the Age of AI
Over time, the shared understanding that makes a software system safe to change quietly erodes. This gradual loss of understanding across a team increases cognitive debt, while the loss of captured rationale leads to intent debt. These may become more important, than technical debt in AI-assisted software development. This article proposes a triple debt model to reason about software health. It is built around three interacting debt types: technical debt in code, cognitive debt in people, and intent debt in externalized knowledge. Cognitive debt concerns what people understand; intent debt concerns what is explicitly captured for both people and machines to use in the future.