I'm sure bright minds can explain it to me but as a Dutch person, I wouldn't lend my money willingly to anyone knowing I would get less back. It just doesn't make sense to me.
No person or business would lend money with a negative interest rate, but a government will to try to prop up the economy. When there's an expectation of a recession (like there is now) banks get more stringent about lending money. When that happens it's harder for people and businesses to borrow money, which reduces spending, which reduces profits, and leads to a vicious cycle and ultimately recession.
So to try to combat that, governments are now paying banks to borrow money from them via negative interest rates instead of the other way around. I don't see any way to look at negative interest rates as anything other than a really bad sign for the future of the global economy.