[UglyToad]

But the problem is the accounting jargon is counter (contra?) to the layman's gut understanding.

If I get credited or I use a credit card money came from nowhere, woohoo. If I have a debit well that sounds like debt and my money decreased, boo.

I get that actually there's a good reason for the names but a field that doggedly sticks to non intuitive jargon that runs counter to every usage yet encountered for outsiders could do with some different non-overloaded terms.