What's one thing that you can say about a train, but not your girlfriend?
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Explanation
Explain Bear
Okay, so basically, the joke is that you can say "I'd do anything to bang you" about a train but probably not your girlfriend. Why? Because your girlfriend is a real person (presumably) and trains are not (definitely). Also, you, the listener, probably have trouble talking to girls. Sad!
rapboat
Hey dumbass, you’re supposed to tell us the punchline