How to catch fish with umbrella

Yeah this is cool but show me how to pay student loans with an umbrella then I’ll be impressed(and super grateful)

S U C K Y
S U C K Y
T E N
B U C K Y
you sucky sucky under umbrella where nobody see us

This may be a stupid question, but how do they get the fish to flop into the umbrella? Some kind of bait dangling below, perhaps?