Taylor Swift wrote this piano ballad with "William Bowery" - the pseudonym of her actor boyfriend Joe Alwyn. He is also credited as a songwriter on two other Evermore songs, "Coney Island" and the title track. Swift revealed Apple Music's Zane Lowe that Alwyn started "Champagne Problems" and it was him who "came up with the melodic structure of it."
When the then-unknown William Bowery was credited as co-writer on the Folklore tracks "Exile" and "Betty," fans wondered about the identity of the mysterious songwriter. It was only when Swift's Disney+ concert film Folklore: The Long Pond Studio Session, that she confirmed Bowery was an alias for Alwyn. Many fans were convinced by that stage that William Bowery was Swift's boyfriend. They posited that William is the name of Alwyn's great-grandfather, who was a music teacher, composer, and conductor. Also, Swift and Alwyn spent time together in the early days of their relationship at New York City's Bowery Hotel.
Evermore continues Swift's leap away on Folklore from autobiography to songs that come from her imagination. This is the first of the full story songs on the album, detailing a girl walking away from her beau on the night he planned to propose. She leaves her would-be fiancé crestfallen, with his mother's ring in his pocket. Swift described this song as, "The one where longtime college sweethearts had very different plans for the same night, one to end it and one who brought a ring."
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