White tubes are probably ceramic noodles.
The fact that the fish died means that it had a weakened immune system, and that points to water quality at some stage in its life.
A larger volume of water means that dangerous things happen less quickly, perhaps giving you time to fix things.
A small heater might also help to smooth out temperature fluctuations. I keep my gold fish tank at about 18 deg with a heater.
I probably overdo it, but I am running 5 filters in my 180L gold fish tank I have a Aquaclear 50 hang on back filter (rarely clean it ), a submersible Juwel powerhead with sponge filter inside (rarely clean) that provides a little water movement, a corner filter with some wool to clean the water, and an air driven sponge filter with some K1 Media above that, and also a plant refugium to try and remove nitrates. On top of that I do 30% water changes once a week. I've seen fins get ripped from accidents but never had any fungus attack the fish.