Appreciate I'm bringing up a post from over a decade ago, but although I watched it once when it came out on DVD, I've only recently re-watched it twice and I've been looking for an explanation to this very question. Sadly, I don't think there is one because I've gone over it and over it in my head several times now.
Just to clarify, the script says this:
I'd gotten Doris to steal the money, the pansy had gotten wise somehow, and I'd had to kill him to cover my tracks.
So why would he get Doris to steal the money? He wanted to go into business with Tolliver, which he wouldn't be able to do if... Doris stole the money. And if he believed he had been scammed and wanted his money back, then wouldn't he have been in a better position to get it back himself?
I could maybe understand if Doris objected to the deal and convinced Ed to do anything to get the money back, including maybe to kill Tolliver, but that's not given to us as an option.
And as the OP said... why would he need to cover his tracks? What did he mean by that?
I don't mind the fact that we don't know what happened to the money - Tolliver could have already deposited it somewhere.
But I try to make sense of why he's been charged with Tolliver's murder and I just keep hitting a brick wall no matter which path I go down. It's a real shame because I love this film until that point. And the Coen's are usually very good at tying up loose ends, but I really think they've dropped a real clanger with the ending of this one.
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