Why it behaves this way
Explanation
A 2 by 2 matrix becomes easier to trust when it is treated as a visible action on the plane instead of a detached table of numbers. This bench keeps the transformed grid, the basis vectors, the unit square, and one sample triangle on the same coordinate system so stretch, shear, reflection, and combined actions stay geometric.
The cleanest reading is column-first. The first column tells you where lands, the second column tells you where lands, and every other point follows by the same combination rule.