Supernatural's whole story arc was based on this (and it worked for them). Inevitably, to beat this big bad that the brothers have absolutely no business going toe-to-toe with, they must do something that is bound to catch up with them, but it's either that or the world is fucked. Then the next thing is even worse, and they have to do something that will bite them even worse in order to stop the world from getting fucked. And it just keeps ramping up, they keep losing more and more of themselves and punching so far above their weight class that they end up... well, no spoilers, in case somebody wants to watch (and I don't know how to do spoiler tags).

There's a point when Sam has some injury, like a broken arm or gunshot wound or something, and he's talking to a nurse or doctor who asks him to rate his pain from 0, which is no pain, to 10, which is the worst pain he could imagine. He gets a thousand-yard stare for a second and says "3."

There’s nothing more permanent than a temporary solution

Me playing factorio

hi-quality shower thought

It’s a fancier way of saying “quick and dirty”. Couldn’t be bothered to build a proper fix, so I simply went with whatever trashy hack that just barely gets the job done.

In a way it's the plot of Hollow Knight.

It's not anything close to "debt" though, fucking moronic IT jargon. It's probably more like maintenance opex that someone doesn't want to bother with. Or an old standard that someone doesn't know how to comply with or doesn't want to because they heard that the new one is "better".

Neglectful asset management and poor maintenance is not going to force anyone into involuntary liquidation. That's always a matter between the borrower and the lender. In the scenario above you have to borrow money at step 1, then suffer a revenue loss at step 3 before the loan was paid off.