chart with two columns (intentional technical debt, unintentional tech debt) and three rows (symptoms, causes, leverage):
symptoms intentional, harder to evolve, maintain, known limits, lack of artifacts
symptoms unintentional: bugs and errors, wrong, flaky, unstable behavior, changes break system, frictional dev, slow to change, hard to evolve, painful maintenance, dev attrition
causes intentional: experimentation, avoid premature optimization, using ready-to-use products but not focusing on long-term needs, not creating artifacts, optimizing for speed
causes unintentional: mismanagement, artificial urgency, misalignment in planning, misunderstood requirements, unclear product strategy/goals, requirements not turned into proper tasks, bad documentation, lack of skills, poor code and design, no automated tests, too much reliance on manual processes/handoffs, tight  coupling with other systems, external evolution

leverage intentional: high. unintentional: low