Somehow I don’t think you have played many games of '41 against a competent opponent.
The Allies do not keep that money at all in '41 as a matter of fact the UK’s money drops like a stone. Japan generally earns 41 or 43 IPCs at the end of round 1 with National Objectives. Germany as well tends to be earning in the high 40s or low 50s at the end of turn 2.
Also in '41 by the time the Axis take what is theirs in '42 plus a bit extra like Egypt, Australia and India (normally around turn 3 for all of them plus a touch more of Africa and possibly Karelia) they have more forces on the board than they are given in '42.
I would recommend going down to the League or Tournament section and looking at some of the games in progress. I have only played a few games of '42 but I have only seen the Allies win ONE and that was by no means a standard game.