If you are the owner then why can't you do what is right?

dang, you're right, i should have thought of that earlier.

He might be genuinely trying to find out what your situation is. Your defensiveness is kind of a red flag.

"don't be defensive" is a great retort because no matter what anyone says, they just seem more defensive.

day to day, i deal with people like you a lot. armchair quarterbacks and real-life concern trolls. that's why owning a business is hard.

presumably, clients

then he doesn't pay for both?

unless you're the fed, all money comes from someone else, buddy. that's how the system works.