Not sure what normies means however yesterday I had to explain it so here was my way (not perfect though):

• In bank accounts you keep track of the state of your current money, how much you got and how much you have withdrawn.
• State can famously lead to bugs (explain quickly asynchronous behaviors)
• Keeping track of unspent transactions is a way to avoid having to deal with the state of an account, but still have a way to figure out how much money someone has.
• By design, since Bitcoin is a stateless architecture, it removes a whole bunch of bugs, compared to banks which deal with it and can have buggy processes
• If you have your own node, you can see by yourself how much money you have by simply using a software to scan the whole blockchain.
• Also use mempool.space for examples as this website is great for visualizations.