I'm assuming the starting money is probably for ease of access or debug purposes. After catching one fish, I checked the shop and I had 8 different copies of it somehow. Respawning is also kind of weird. Sometimes you respawn in front of the last place you were at, sometimes you respawn in front of the house. One time I respawned inside the pier and just fell through the map for the 3rd, maybe 4th time. I also didn't really see any way to catch more than one fish per boat trip. I didn't really like the spearfishing too much, because it shoots at a weird angle, so I would often miss and then have to restart. Shooting fish sounds fun though. I wish I got to do more of that in this game.