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A kelpie literally is an Irish [mythological] [water horse], and if you tried to ride it its skin would turn adhesive and it would drag you into the water, drown you, and eat you. Used figuratively in slang it means a girl who would ([metaphorically]) do the same: she seems very alluring, and when you give her a piece of your heart you can't escape from her until she has dragged you into the water and you have drowned, so to speak.
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