Worms!
The black spots in question are worm parasites. I have caught many fish with these black spots on their fins and later found the same spots in their meat. If you found these worms in bait they would have been killed in the process and don't worry about transfer it has to be pretty warm for them to live and the minnows i guess would be frozen when purchased. That would kill the worms. It comes from birds, ducks more so, and the worm eggs need a period to hatch and cling to the host so if they are in the bait no worries.
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I'm the "Wingman" to my "Birdog"
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