@charlesaraujo Great piece Charlie. One other item to add to your list of contributing factors includes bad or insufficient processes. Think of poor change management, inadequate testing and the like. Granted those can fit into your bad decision column but they truly do add to the TD.
@deanitla @Computerworld Thornton makes a fine point that the pervasive nature of IT is more than transaction processing but the heart of an organization's revenue machine.