Hopefully by now it has become apparent that it is nearly impossible to avoid accumulating technical debt while building software and systems. The question is not so much whether or not you are going to take on technical debt but rather how quickly, what kind and what you are going to do about it in the long term.
Naïve/Reckless/Unintentional Technical Debt aka Mess Naïve Debt, Reckless Debt and Unintentional debt are different names for a form of technical debt that accrues due to irresponsible behavior or immature practices on the part of the people involved. In our experience it is very rare to find this kind of technical debt stemming from conscious irresponsible development behavior. However, it is very common to find this kind of debt originating from developers not trained in current and robust development techniques, when little architectural planning has taken place or the toolchain the development team uses is immature.