There's absolutely a "problem domain debt". If you are a game company, your problem domain that gets you paid is your game(s). Time spent rebuilding standard libraries is time not working directly on the game, and maybe time not getting properly "paid". Meanwhile, there are already people paid to work on the standard libraries, and its their job to make those work and continue to improve them.
Certainly there are tradeoffs where you may have to know the standard libraries well enough to know their performance characteristics, or how best to mitigate worst case scenarios, but if the people paid to build standard libraries are doing their jobs (that you pay them for when you buy that compiler), it should be less debt work to workaround an existing solution than build one from scratch.
Certainly there are tradeoffs where you may have to know the standard libraries well enough to know their performance characteristics, or how best to mitigate worst case scenarios, but if the people paid to build standard libraries are doing their jobs (that you pay them for when you buy that compiler), it should be less debt work to workaround an existing solution than build one from scratch.