Debt compounds and compounds making it more difficult to ever pay off.
The problem with digital debt, companies are not incentivized to help you declutter. The more clutter you have, the more you will pay in the long run.
For instance, think about switching from an Apple ecosystem to Google–fron password managers, hidden emails, apps, etc. Another example, is cleaning up Google photos. Google isn’t incentivized to create a tool to quickly scan which photos to keep and which to delete. Have you tried to unsubscribe from Disney lately? They make it hard to let go.
The point here is that there is a cost to change systems. The later we wait to pay for it, the more expensive it gets.