You must be using a different definition of “owe” than the rest of the world. By any layperson’s and lawyer’s definition, any money you deposit in a bank is def

You must be using a different definition of “owe” than the rest of the world. By any layperson’s and lawyer’s definition, any money you deposit in a bank is definitely owed back to you. And it’s definitely placed in the liabilities column of their accounting books. Any interest is certainly owed as well since it’s a consideration of a deposit agreement, but both are owed, not just the latter.