Raphael Kaufman…
Your correction of Health’s mashul is exactly correct.
A wagon driver who can get the person across WITHOUT a wagon and horse equates to a nais niglah (i.e. HaSh-m acting without our doing anything b’derech ha’teva, without our hishtadlus – i.e. without the IDF), which is not supposed to be expected.
Of course the wagon and horse ALONE (equating to the IDF ALONE in this mashul) won’t work either (without the driver.)
SO… the bottom line is, that we have to do our hishtadlus (i.e. have a strong IDF) and THEN, with the help of HKB”H we CAN be zocheh to a nais nistar.