The rental attendant bursts into smoke. When the smoke clears, the Bog Witch is standing in front of you!

"I thought I could trick you into indebting yourself and ruining your credit through accumulated interest, but it looks like you've won this round. I'll have your credit soon enough!"

She vanishes in another cloud of smoke.

Looks like you can just go ahead and take the rowboat now.

Grab the rowboat and start rowing across the pond.