Q1: Yes, you can get it right away. No items are required for that, just smart usage of Madeline's abilities. There's no reason to rush it though - the second seedbag isn't useful until you get some seeds for it :3
Q2: The chance is low for sure, but that's intentional. This game is more of an idle game than an active one, and it's best enjoyed while chilling out and listening to some music or watching something. If you just want to go for a high score, you don't need to fish for the super-rare catches - farming radishes will give you more than enough income to eventually max out the money counter.