The AI debt, and unlimited credit limit

This AI debt is already huge—it is massive.

We have seen talks and discussions on technical debt (example), content debt (example), strategy debt (example), and process debt. I have even mentioned that our tech debt becomes the pretense debt and if not handled carefully, it becomes the guilt debt. Now we see the AI debt.

There are hundreds of stories where people struggle because of AI—for example I saw this LinkedIn post by Jason Haddock.

The intelligence is here.

We can see the intelligence in this example. Imagine when it gets baked in our code or in the sales pipeline, or in the message itself and we cannot even see it.

The interviewing organization may not even care and they might continue to use it with other candidates. For them AI is an asset. Just as the vibe coding.

Vibe coding is the license we have been waiting for years—because we think it does not cost us anything. I tried my hands in it and within two weeks of my trial with Lovable, Bolt, and a couple of similar tools, I had five different product ideas working on my screen—I was fascinated.

But none of those saw the light. Regardless of the fact that I was not serious or I lacked the skills, this license means that I could pile huge AI debt on their digital spaces.

Collectively, this AI debt is massive, living in university assignments, in the patients’ records in healthcare portals, in vendors’ details in logistics supply chain, in the research papers, in customer reviews, in our maps, and in our the voice calls.

Because it gives us an unlimited credit limit.

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Vinish Garg

Vinish Garg

I am Vinish Garg, and I work with growing product teams for their product strategy, product vision, product positioning, product onboarding and UX, and product growth. I work on products for UX and design leadership roles, product content strategy and content design, and for the brand narrative strategy. I offer training via my advanced courses for content strategists, content designers, UX Writers, content-driven UX designers, and for content and design practitioners who want to explore product and system thinking.

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Vinish Garg is an independent consultant in product content strategy, content design leadership, and product management for growing product teams.