I heard about a guy fishing and lost wallet over the side of his boat...45 years later, he caught his own wallet...Fish had not spent any money...
https://www.wideopencountry.com/texas-fisherman-catches-old-wallet/
[...45 years later, he caught his own wallet...Fish had not spent any money...]
The fish I know usually go with credit card and debit card.
It’s less to carry for them when they swim. :)