I don't think the example has anything to do with technical debt. The project never worked and was never delivered.
>>> Payments couldn't be processed, code would break when the delivery system was offline, users with deactivated accounts could still access it, no tests.
This doesn't pass 10 minutes of QA. Send back to the outsourcing agency to complete the development. If it's all they can deliver they're not getting paid in full.
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[ 3.7 ms ] story [ 15.4 ms ] thread>>> Payments couldn't be processed, code would break when the delivery system was offline, users with deactivated accounts could still access it, no tests.
This doesn't pass 10 minutes of QA. Send back to the outsourcing agency to complete the development. If it's all they can deliver they're not getting paid in full.