WHO IS A FOOL? HE OR SHE?

  He said he's a Virgin
  I told him I'm a virgin too
  He said I should off my cloth
  I told him my mum said I should not do such
  He said I should kiss him
  I  told him my mum said it is not good at my age
  And he laugh at me and said I'm a fool

I laugh at him back and I said:
If I kiss you, you will later call me a fool
If I off my cloth, you will later call me a fool
If I sleep with you , you will later call me a fool
And make jest of me as a fool
And I said to him" a MR FOOL is calling me a FOOL
  Now tell me WHO IS A FOOL?