You are not arguing against his point though, you are shifting it. His point is that it has been paid and you are saying the same thing. His argument is not about who paid the bill (if it was you or the bank) the argument is that it was paid and you seem to agree with that I think?

€ A different way of putting it is to imagine you had 0$ and a job that pays you in two weeks. Now you cannot take any credit since that means the bank pays for you (so the money comes first then the work). What do you do now to survive two weeks? The answer is that you need money to be able to work, not the other way around.