Debt Ops

Write or refresh the "## Tech debt operations" section in AGENTS.md so a team shares one source of truth for debt-ops disciplines and cached quality commands. Idempotent. Only the managed section changes; other sections are untouched. Invoke explicitly via $init (solo users get the same content from the SessionStart inject).

Audit the debt registry, rank survivors by churn × Fowler quadrant, surface a top-N list, then walk paydown on user follow-up. Use when the user asks to review debt, see what to pay down, work through entries, or invokes $review. Stale entries drop with "drop A,B,C".