When an item of debt is first created, the people making it are often well aware of what they have done and are therefore in a relatively good position to fix it, but that knowledge quickly dissipates, to the point where it is often forgotten that there is a specific issue there. Furthermore, there is a tendency for it to be made less obvious as further changes are layered on top and around (this is distinct from contagion, as it can occur if the later changes are themselves debt-free, or at least independent of the decisions that created the debt and their consequences.)