Technical debt. Everyone knows what it is - things left undone or poorly done which get worse and worse and slow you down until you fix them. Like debt, accumulating interest. But... not really.
Technical debt is not like regular debt, because regular debt has a set payment schedule and eventually you default on it in an understood way or pay it off also in an understood way. Technical debt often does have a regular payment schedule of slow development. But unlike regular debt, you default on technical debt at a random time and in a random way. Suddenly the system explodes.
The way your technical debt defaults makes it more like mob debt than a mortgage. On some random day a guy comes around and breaks your legs. But there are several unpleasant differences that make it worse than mob debt. First, technical debt does not care if you can pay the loan. The mob wants you to keep working and pay them, being roughed up is just incentive. Technical debt doesn't care if it destroys you completely. Second, the mob lets you know it's displeased ahead of time. The first guy comes around and makes comments about how unfortunate it is you are behind on your payments. The next guy roughs you up. Technical debt might give you warning signs or it might be completely silent until the day it comes around and murders you and everyone you've ever talked to.
On the good side, sometimes you're lucky and technical debt just goes away. The thing you did wrong you don't even want to do any more, so all that code gets deleted and the problem is solved. But if you're not lucky, it might make more sense to call it technical risk or technical roulette (Russian subtype). It might slow you down a bit, and it may or may not murder you at any time.