Create an adorable and slightly goofy scene titled "Early Adopters Cruise

Create an adorable and slightly goofy scene titled "Early Adopters Cruise" featuring a cute penguin character and children. The children should be holding or playing with Bitcoin symbols, surrounded by golden Bitcoin coins. The setting should be a playful, cartoonish boat on the water, with the boat labeled "EARLY ADOPTERS CRUISE". Ensure the children and penguin have expressive, wide-eyed looks of excitement. Add speech bubbles with humorous, slightly garbled cryptocurrency-related phrases to add a fun touch to the scene.