Funny, my great aunt used to sing the roaches and bedbugs as the first verse, followed by a chorus of "oh ain't we crazy" and then the following:

The rich girl uses cold cream, the poor girl uses lard,
But my girl uses axle grease and rubs it twice as hard!

The rich man takes a streetcar, the poor man rides the train,
The hobo walks the railroad tracks and gets there just the same!

(another chorus of oh ain't we crazy)