I remember Priscilla herdman doing a version of this about 30 years ago. She also included a verse about a woman who complained to the conductor that she was going to have a baby and needed to get to medical care. The conductor replied that she should have known better than to board the train in that condition. She replied that she wasn't pregnant when she got on.

I also recall reading a variant on the same story in Farley Mowat's book, The Boat that Wouldn't Float.