If you have $50 you get to go out to the bar, have a few drinks, pick up a girl and get some pussy.
If you have $0, it's because you're paying me back for the money I loaned you. You don't get to go to the bar, have a few drinks or get any pussy but I also don't send 3 guys over to your house and rough you up cause you missed your payment to me.
If you're -$50 cause you tried to double your money at the dog track so you could have enough money to pay me my payment and still have money to go out to the bar, have a few drinks, pick up a girl and get some pussy - but your dog lost and now you not only can't pay me, but don't have the dollars to go out to the bar, you're not only aren't going to get any pussy but my 3 guys are going to come over and break your fingers and mess your face up pretty badly.
So in this scenario, numbers >0 are significantly different from 0
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