Row, row, row your boat, gently across the pond. Merrily, merrily, merrily, merrily life is but a-

You're jolted from your idyll by a bat diving straight towards you!

Duck out of the way, like you'd duck an offer for a title loan that requires you to put your car on the line as collateral.

Use your oar to swat down the bat, like you'd swat away an offer for help from a friend or family member when you're having a financial emergency.