ponytail-debt

Harvest every ponytail: comment in the codebase into a debt ledger, so the deliberate shortcuts and deferrals ponytail leaves behind get tracked instead of rotting into "later means never". Use when the user says "ponytail debt", "/ponytail-debt", "what did ponytail defer", "list the shortcuts", "ponytail ledger", or "what did we mark to do later". One-shot report, changes nothing.