Distinguish strategic default (conscious choice to defer

Why This Is a Principle

This derives from Knowledge that exists only in tacit form degrades without (tacit knowledge degrades without detection), Hindsight Bias and Calibration Necessity (memory reconstructs rather than records), and Human memory under stress and cognitive load is unreliable (memory under load is unreliable). Priority debt that exists only in your head (tacit) will be systematically misremembered - you'll think you deferred something for three weeks when it's been three months, or think the original cost was higher than it was. The principle: externalize the debt ledger to create a stable record that doesn't degrade or reconstruct falsely. Strategic default requires this externalization; without it, you're just accumulating unconsciously.