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If this were the entire question, I'd be confused. Another comment suggested starting from 0 and going into negatives, but my initial response would be "starting from what?" expecting to start at 100 or 77 or something.
However, an elementary school teacher told me that negative numbers don't exist, so that might be related ...
So I'm not in debt??? What a relief!
The teacher's argument was that if you took seven pencils away from five pencils, you'd have negative two pencils, but negative pencils aren't a thing.
You could try making the same argument to your bank, replacing "pencils" with your local currency.
Let me know how it goes!
I don't think I'm a sovereign enough citizen to pull this off.
Banks hate this simple trick