If you help John
When choosing this option, Arthur is waiting for a rather brutal shootout during his ascent to the mountains. At one point, Morgan will allow John to escape and detain the Pinkerton men who are chasing him. After they leave him alone, he will have another fight, this time with Micah bell. As a result, Arthur will be left to die in the mountains, watching the sunset.
If you withdraw money
Before going to the cave for money, Arthur still has to fight with Micah bell right in the middle of a burning camp. And only then move to meet the wealth.
Despite the similarity of the endings, to finally atone for their sins, it is better to choose the first option. The dying main character doesn't need money anymore. In this case, after the death of Arthur, the game will not end: you will have to go through two more chapters, the hero of which will be John.