What value comes of characterising it as "inadequacy"? I mean you may enjoy the self-flagellation but does it actually help plan or work effectively?
To my mind the "debt" metaphor captures important intuitions: it accumulates interest, slowly at first but rapidly if you have too much of it, it can look like it isn't a problem until it is, taking on more is often an easy way out of your current situation in the short term.
To my mind the "debt" metaphor captures important intuitions: it accumulates interest, slowly at first but rapidly if you have too much of it, it can look like it isn't a problem until it is, taking on more is often an easy way out of your current situation in the short term.