is that how they avoid loansharks?

But it’s the cashflow that keeps them afloat.

Unless they’re the oceangoing variety, in which case they just hide it under their sea beds.

It’s true. You never see one with much extra dough. Must work out; accounting for their profile. I wish I could beach it on the bank after racking up the clams

Under my mattress, duh

Why do they hold onto each other whilst sleeping?

Because they don’t want to lose their significant otters.