...about a month ago, I was sitting in a bar in easthampton, massachusetts watching "open mic" night and thoroughly enjoying a 3 piece bluegrass group.....very good guitarist, competent (and beautiful) mandolin player, and an incredible fiddle player....after a few songs, they announced that this was their first time appearing in public and did not yet have a name....they then invited the audience to suggest one....the name "three chord cowboy" popped into my head, but after thinking about it for a moment, I decided it was too good a phrase to just give away....so I went home that night and wrote the chorus....I wonder what that group wound up calling themselves....