The repetition of the chorus shows how the narrator is struggling to stay away from this person, recognizing that they're making a mistake by being with them but feel powerless to resist. The bridge focuses on the difficulties many have experienced with love it's hard to be a lover when someone says they're only in it for fun and not looking for anything serious. The chorus repeats, emphasizing the danger of playing with fire.
The second verse hints at the fact that this person has a reputation for being a heartbreaker, but the narrator still wants to engage with them. The narrator recognizes that lying and a life of crime may be necessary to stay away from this lover. The joker in the chorus is not just a reference to a playing card, but also to the foolishness of being in love with this person. The chorus mentions playing with the queen of hearts, which is a metaphor for engaging in a dangerous game with this person.
Moonlight is described as a 'heartache in disguise,' showing that the narrator knows this person is bad news but is still drawn to them. The narrator is waiting for a train at midnight, hoping it will take her away from this person. 'Queen of Hearts' by Juice Newton is a song about being willing to do whatever it takes to stay away from a lover who is trouble.
