I owe you $10. You can interpret that as me having -$10.
I mow your lawn and you cancel my debt. That’s like subtracting that -$10, which is the same as adding $10.
I owe 5 people $10. That like having 5 x -$10 = -$50.
I mow all of their yards. I’m subtracting that debt five times, so -5 x -$10 = $50
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