«نَايِمْ فِي الْمَيِّهْ وِخَايِفْ مِنِ الْمَطَرْ»

The proverb mocks a person who is already deep inside a serious problem yet anxiously guards against some minor inconvenience. Its images are figurative, not weather advice: lying in water while fearing a few raindrops exposes how absurd it is to guard against a trifle when the larger harm has already arrived.

More broadly, it points to misplaced caution and poor judgment about priorities. The speaker suggests the person's worry is not prudence but foolishness, since the small threat adds almost nothing to the damage they are already suffering, and their energy would be better spent on the real predicament.

Use it to tease or criticize someone fussing over a trivial risk while ignoring serious trouble already surrounding them, like worrying about a small fee while drowning in debt. Since it implies foolishness, aiming it directly at someone can feel like a put-down; keep it to informal, blunt banter.