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The Touble Finder finds substories from people "in trouble" for you to help.
The Encounter Finder finds "encounters" for you to fight. (hooligans and Mr. Shakedown)
There is a chance I'm misremembering but the Trouble Finder is what you get from Miracle as Kiryu. But this was only a few days ago and I distinctly remember seeing "Trouble Finder" after picking the second black box from Miracle. It makes sense that the Michael Jackson parody would give you something to help people.
For Kiryu, the Encounter Finder is supposed to be from "The Tax Lady" substory. I think. But I did that substory and either never got it or it disappeared from my inventory (I made a thread about it the other day). nope
FWIW it's a single player game, you can do what you want, but ultimately I just went and gave myself 9 trillion yen with cheat engine. The way I see it, it's just saving me the time I would have spent mindlessly grinding Mr. Shakedown for no real reason, getting me the same result only in a few minutes instead of a few hours. But, that's me. You do what you want.
Anyway. As I said before I just used Cheat Engine to give myself the money and have no reason for it to bother me anymore. When I finish up the CPs in the finale I'll just give Kiryu Majima's to get the Mr. Shakedowns.
If someone need a help in this game then i recommend to read this great guide https://gamefaqs.gamespot.com/ps4/816306-yakuza-0/faqs/74451/introduction
So as you see, the Kiryu Shakedown grind is vastly more efficient.
Dunno if anywhere in the block of texts on this page said it, but you can transfer items from one character to the other through the Mr Moneybag characters.
If you've got a point you need Kiryu to have the E.F, pass it through to him when you next can then when you're ready to move on to the next Majima section, be sure to pass it back.
If this isn't a Legend playthrough, then earning money shouldn't be that difficult and you probably shouldn't stress on it until after you've started each of their businesses.
It would appear I was sorely mistaken with what I said earlier.
I never used the item sharing function, so I only assumed it was possible that way.
Sorry for getting your hopes up.