The Two Frogs explained simply

Two Frogs were neighbours. One lived in a marsh, where there was plenty of water, which frogs love: the other in a lane some distance away, where all the water to be had was that which lay in the ruts after rain. The Marsh Frog warned his friend and pressed him to come and live with him in the marsh, for he would find his quarters there far more comfortable and--what was still more important--more safe. But the other refused, saying that he could not bring himself to move from a place to which he had become accustomed. A few days afterwards a heavy waggon came down the lane, and he was crushed to death under the wheels.