The idiom up a creek without a paddle has its roots in the 20th century.  It vividly illustrates a situation where one is stranded in a boat, unable to steer, and at the mercy of the current.  This lack of control can lead to a state of affairs that is best avoided, as anyone who has lost their paddle while navigating turbulent river currents can attest.

A plan, a sense of direction, and the motivation to achieve one’s goals are essential.  Without these, one risks finding oneself’ p a creek without a paddle’, which can lead to personal, economic, and social failure.

The person is up a creek without a paddle.  A good percentage of people find themselves in this dreadful state of affairs.