I have some experience with older financial and edu systems, and it's definitely a different perspective (from my perspective).
If you have a system that's been modified to handle every edge case encountered in the last decade, and it works, and other people rely on it to do their work, your perspective switches to maintaining the environment the system operates in.
You're looking at automation continuously built around processes that might predate electricity. The interfaces are ingrained into the organization. Other organizations rely on these interfaces and sometimes there are legal responsibilities.
It's a longer-term perspective. Tech debt isn't a crisis, it's an eventuality you try to encapsulate.
