Atif, H. Cognitive Delegation Debt: The New Industrial Risk No One Is Measuring: I didn’t Lose the Ability to Think I Secretly Unintentionally, and Freely Gave It to Every Algorithm, AI, and App That Promised to Be Smarter Than Me. Industries Are Doing the Same. The Difference Is, I Noticed. They haven’t. And Unlike Most Debts, This One doesn’t Send a Warning before It Collects and That Is What Makes the Debt so Dangerous. PakTech 2026, 1, 414-417.