Code is inventory, not debt. Inventory is good and bad. If someone comes to your store and everything is out of stock, you will make $0. So you want some inventory. But if you have too much inventory and nobody is buying anything, then your inventory just rusts in storage and becomes worthless. Code is pretty much exactly the same. Most features are sitting in storage in the hopes that someone comes by to buy it. Sometimes they do! Sometimes they don't. If you were the guy with a toilet paper warehouse in March 2020 you did great.
Gold bars in storage may not degrade, but code in storage doesn't degrade either. We know from context that we're talking about code put to use. Gold bars are quite prone to degradation when put to use as well.
You do realise that if I were to win then the five gold bars would be gone in the wind and you'd be ponying up for another five to pay out on the wager?