lex-cognitive-debt

Cognitive debt modeling for LegionIO. Deferred processing that accrues interest over time.

When the agent defers decisions, leaves inputs unprocessed, abandons partial analysis, or fails to integrate new information, cognitive debt accumulates. Like financial debt, it compounds with interest — the longer you defer, the more costly resolution becomes. This extension tracks that debt, applies interest each cycle, and supports structured repayment.

Five debt types are modeled: deferred decision, unprocessed input, incomplete analysis, pending integration, and unresolved conflict.

client = Legion::Extensions::CognitiveDebt::Client.new

debt = client.create_debt(
  label: 'deferred analysis of conflicting trust signals',
  debt_type: :incomplete_analysis,
  principal: 0.5,
  domain: 'trust'
)

client.accrue_interest
client.total_debt
# => { total_debt: 0.525 }  # 5% interest applied

client.repay_debt(debt_id: debt[:id], amount: 0.2)
client.debt_report
client.prune_repaid

bundle install
bundle exec rspec
bundle exec rubocop

MIT