Whitish edges to fins can be caused by fin rot but also (and more often) by poor water conditions or nipping. Here, I would suggest the lobster is the fin issue. Fish and lobsters (or any similar crustacean) should not be housed together.
As for the filter cartridge, there are two things to separate...mechanical filtration (as from carbon or other media within the cartridge) and biological (thee colonization of nitrifying bacteria on any media). The latter never "wears out" but the former will usually become ineffective as chemical filtration depending upon the amount, bioload, water parameters/conditions.
There is no need to replace media that provides biological filtration provided the water is still able to get through and is not being blocked, nor the opposite being able to get around the media. So rinsing this media regularly to keep it clean is all you need.
Chemical filtration as I said depends upon thee chemical. Carbon for example will become full as it adsorbs (it is adsorb, not absorb) substances and no longer be effective as chemical filtration. It will still function as biological filtration, any media will. Whether or not you need chemical filtration is debated by many, or may be necessary for specific issues your water may have.