Mr Cereal; Welcome.
Don’t forget, its $19 during a Global (2 map) game. After a while, most of us stop playing the two separate games and only play Global, the individual games work pretty well but they just aren’t anywhere near as sprawling and versatile as them together (though its daunting to play in one sitting). And yes, Germany or Italy gets it.
If the allies recapture France or Moscow, the Axis can get the money over and over, so a lot of us mod the game to state that the second time a capital is captured, the money is lost to all, not captured as this gets abusive.
Set ups? Not sure how to help. If you feel like those players have too little fun waiting for the first 4 turns to go down, try playing the (canon, by Larry Harris) G42 setup at the top of this page. It has no diplomacy limitation as in G40, except for Mongolia.
Alternately, you could have Japan DoW turn 1 (we call this J1) and while this is a choice and has limits, it does get the action started a bit faster.