[She shrugs as if unconcerned and just ignores the other jokes(?).]

People do that. I'm told either they make their own way and we see them later, or the Ferryman comes for them eventually.

[Some get lost like Shepard, some return to the River, like several other people at this point.]

And there's a few so determined to Cross on their own they don't even bother with the bank. When we see them again, they'll probably be bloodied.

[If they see them again.]