[jlokier]

> If $10 comes into my bank account, I get a message saying "$10 was credited into your account".

That's because you are a creditor to the bank. After you put cash into your bank account, the bank owes you cash. You are lending them your cash, and the more you lend them, the more of a creditor you are. That's why they say your account is in credit.

When you take too much cash out of the bank, it's obvious you are a debtor to the bank. You owe them. You're in debt to them. That's why taking cash out is called debiting. The more you take out, the closer to a debtor you become, though hopefully on balance you've been more of a creditor than a debtor.