Fishing and what to do with money? (Red Dead Redemption 2)

The first question is about fishing. I go fishing with my ex-Audriscoll, I lay down on the first fish, but there is nothing to bite. I tried different baits, lake baits and all that. I read that the legendary fish need special baits and that they can be bought in a fisherman's shop in the swamps, but the black woman has nothing especially for sale.

The second question is about money. Where to put them? already somewhere at the beginning of chapter 3, I had about 3 thousand on my account with a fully pumped camp and dressed, equipped with everyone and everything Arthur. According to the plot, it will be possible to merge them somewhere? otherwise I see no more reason to lure corpses