First of all, God has no time restrictions on Him. He can pay for something in the past and wait until you accept it. He's answered prayers before they were even uttered, but only revealed it afterward. If you want an example, I have several. I won't bore you with them unless you ask.
Secondly, no analogy is ever absolutely perfect, because if it was, it wouldn't be an analogy, it would be the same thing. Analogies are meant to convey an unfamiliar idea by using a similar situation that everyone can relate to and understand. Instead of nitpicking the details, use your God-given common sense to figure out what I'm trying to say. I believe I've made it crystal clear to all but the most obstinate or dense.
I know that you would love to continue mocking me and God, so I will leave it at that, unless you have something else of significance to contribute. Nitpicking the minute details of an analogy instead of trying to understand what the analogy is conveying is a bothersome waste of time, both yours and mine. If you don't agree with what I am trying to convey, fine. We can agree to disagree. I just want to make sure we understand each other and are not just engaging in hair-splitting.