Culture is how work really happens when nobody’s looking. You can ship with perfect swimlanes and still sink if the behaviors underneath reward speed over honesty, heroics over ownership, or silence over clarity. Cultural debt is the invisible interest on those choices, tiny tells like re-announced timelines, leaders taking credit, and teams getting quiet, until the bill arrives. The fix isn’t slogans; it’s visible habits, built-in checks, explicit assumptions, and stories te