Net worth is everything you own minus everything you owe, at this moment.

On the "own" side: your account balances, your assets, money people owe you, prepayments not yet delivered and change credit a seller is holding. On the "owe" side: money you borrowed and anything bought on credit and not yet paid off.

This is why a loan you took out is not income. The cash arriving raises what you own and the debt raises what you owe by the same amount, so your net worth does not move — which is exactly the truth of the situation.