If you lend me $ 20, am I borrowing negative twenty dollars or a positive twenty dollars?

Sure, the number can be represented as 20 or -20, but the meaning does not change. There is no negative money, only a lack of positive money. Once the debt is repaid, you become whole again. Who's to say that being whole starts at 0?

Negative energy is a very serious misnomer unless you put it into context with an appropriate example.