Re: Daft or smart?
And here's one: "Drowned Hopes" by Donald E. Westlake.
https://www.amazon.co.uk/dp/B005UK7TYA/ref=dp-kindle-redirect?_encoding=UTF8&btkr=1
"Long ago, Tom buried $700,000, and now he needs help digging it up. While he was inside, the government dammed a nearby river, creating a reservoir and putting fifty feet of water on top of his money."
One obvious and awful solution needs to be avoided!