Now, if the electron just “fell” straight in toward the nucleus, it would gain kinetic energy and the total energy (potential plus kinetic) would stay zero. But some of that kinetic energy gets lost to photons emitted by the atom as the electron drops into lower and lower orbitals and its total energy becomes negative.
The electron also has kinetic energy. Kinetic energy can never be negative (because in K.E expression we have squared of velocity which is always positive) and it is smaller in magnitude than the potential energy.