SHARED TERM NOTE
Governance Debt stays on the site and is not in the book's vocabulary spread. It was cut from the book because it appears once in the manuscript.
CANONICAL EXAMPLE
A regional bank deploys 23 Copilot Studio agents across business lines over 18 months, none through formal IT procurement. When Agent 365 goes live in May 2026, the bank has a governance infrastructure for future agents and a Governance Debt of 23 agents that predate it — none with assigned owners, none in a registry, none with documented intent.
USAGE GUIDANCE FOR CONTENT
Use Governance Debt in newsletter editions and posts that address the backlog problem — the agents that already exist before a governance program is stood up. It is most effective in the implication section of a piece, after describing what the new governance tool or regulation requires. It names the gap between 'we now have the tool' and 'we have addressed the existing exposure.'