Tech debt manifests in myriad ways, from system failures and slower innovation, to security breaches . This technical debt would require $1.52 trillion to fix, and costs the U.S. $2.41 trillion a year in cybersecurity and operational failures . It’s also akin to our aging physical infrastructure, because it’s already leading to hazardous conditions in our everyday lives . For example, America’s banks and financial institutions are disproportionately burdened with technical debt .