Imagine you have a big family and a large supply of tableware, but the dishwasher is broken, so you decide not to wash the dishes after each meal. From breakfast through dinner, you accumulate an increasingly larger pile of dishes until you run out of tableware.
When you go to the kitchen, you are met with an overwhelming pile of dirty dishes. The mere thought of dealing with it stresses you out, so you decide to go and lay down. But when you wake up and go to the kitchen the next morning for your morning coffee, you realize you have no choice but to roll up your sleeves and do the dishes. And when you are done, the cycle starts all over again.
https://www.cmswire.com/digital-workplace/user-experience-debt-is-sapping-our-productivity/