Can someone help me understand the Tena Bar money?

This seems to be the wild card item in the story.

Correct me if I’m wrong, but hasn’t it been determined that there is no way the money could have ended up there organically? It couldn’t have made it there either from being blown away from Cooper’s person in the air, and carried by the wind? Or drifted downstream to there, had it landed in water initially?

If this is the case, wouldn’t this be pretty hard evidence that Cooper survived? I mean, someone would have put it there. Of course there is also the very real possibility that DB Cooper’s body was discovered, but the finder chose to leave it unreported so they could make off with his cash.

It’s very possible I’m missing something here (definitely tell me if I am) but it seems to me that Tena Bar would be the most important clue towards what actually happened in this whole case. And I’m kind of suprised it doesn’t get more attention. I mean it certainly kills any possibility that Cooper simply died, and his body/the money have simply yet to be found in the vast wilderness, correct?