An idiom/phrase is given in bold. Following this

Solution

The phrase "up a creek without a paddle" means to be in a difficult, challenging, or hopeless situation with no easy way to get out of it. The image is a literal one: if you're in a boat in a creek without a paddle, you have no way to steer or move, leaving you stranded and in trouble. • Sentence I uses the idiom incorrectly. It states that the person was literally up a creek without a paddle, but idioms are figurative, not literal. • Sentence II also uses the idiom incorrectly. It claims the person was "never" in the situation, but the context of the sentence doesn't align with the idiom's meaning of being in a predicament. • Sentence III uses the idiom correctly to describe a figurative situation. Losing a wallet and phone puts a person in a very difficult spot, so they are "up a creek without a paddle."