Most importantly: this is a mathematical model. Those are numbers and, while they describe a physical process, they are not the process itself. Initially it may be helpful to imagine them as actual charges flowing in a wire. But going too far this path and you miss the goal: letting your brain grasp a new concept.
The current direction is indeed a convention. In fact, if electrons are charge carriers, they move in the opposite direction (from negative to positive terminal). So it’s a matter of us
choosing — the critical word here, so I will repeat:
choosing — which direction we call “positive current”. Sometimes we can’t predict beforehead, which direction the charge is flowing. Of course you can guess that, if you only have a resistor between two terminals. But one rarely sees such trivial cases.
Just see a simple
bridge circuit in the attachment. There is no way you can tell which direction charge flows in R3 without calculating it. But to make the calculations, you must assume some current direction. But if you do that, it may happen that you have chosen wrong. The effect will be a negative current.
Which only means: the actual current direction is opposite of what you have chosen it to be. If you used a diode in series with R3, it would conduct in the calculated direction. The meaning of a negative voltage is similar: choosing wrong direction for calculations. Note that “wrong” in here doesn’t mean “invalid”. Those are numbers and the model works perfectly fine with both positive and negative values as long as you are consistent with your choices.
A non-electrical analogy could be sitting in a stopped train and not knowing, which direction it will go. You may assume it will go the direction you are facing and will say “this will be positive velocity”. Then the train starts moving and you realize it’s going the other way. The velocity is negative from your chosen perspective.
Also note that negative currents are not necessarily associated with negative voltages. With resistive elements they always are. But soon you will find out about inductive and capacitive elements, where that is no longer true.