Credit & Debit describe opposing directions of flow.
Credit flows in.
The more an energy flows in, the more in credit I am.
Debit flows out.
The more energy flows out, the less in credit I am.
The greater the debit, the larger my energy debt becomes.
The greater the credit, the better the potential to create an energy balance.
When I credit my account, I debit yours.
When I debit my account, I credit yours.
Interest is what I accrue on my credit.
It is also what I pay on my debts.
Accruing interest credits my account.
Paying interest debits my account.
It is not my credit balance that is important.
It is my ability to balance my credits & debits.