Also maybe by being able to "lock" money away you can get a higher rate of interest.
Say 10% if its kept in the bank for 20 minutes and not touched at all
Maybe you should be able to catch other things once you get past a certain level, Rubbish in the sea old boots & tyres things like that that give you nothing but also sunken tresure or maybe even an unlockable map or hat once you get past a certain point.
Mainly because catching a shrimp past a certain point pretty much does nothing for the xp or the money.
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