I never hear banjos playing. I generally kayak in a salt marsh so them thar river rats are out for other prey and are no where near me. I do get a little bit nervous when I hear a cello though. No, the shark that accompanies the cello music doesn't scare me, even the large ones are just curious, it is the music itself. If you are hearing cello music while kayaking a salt marsh or the ocean you just might be becoming as loony as a Librul.