Hopefully the fish can get to them before they can get to you. Good odds considering that the zombies are essentially 'walking chum' for fish.
Unfortunately, in a T virus based zombie outbreak, then you just have an ocean full of zombie fish
That would really ruin the swimming and can you imagine a great white zombie? (that sounds like a rock band name
On the bug out front, the north west would be a good place to be on a sailboat. Lots of food (zombie ocean life notwithstanding), water and very few people. Life would be hard though, but I imagine better than the overcrowded places on earth.
Oh, and as far as post SHTF currency goes, a old friend that was into this sort of thing swore it would be the venerable 22 round. Most common firearm in existence so very high demand. He buried cases of them in waterproof food containers (the ones the ship olives and such in). He figured that after the apocalypse you could trade them for just about anything.