The rowboat rental attendant begins laughing. It's more of a cackle, really. An almost... Bog Witchesque cackle...

Suddenly he bursts into a puff of smoke. When the smoke clears, the Bog Witch is standing right before you!

"Ha ha ha! Maintaining this debt balance will be... MURDER for your credit. The interest will keep growing until it swallows you whole!"

Your credit has died.