I honestly can't understand your complaint on the second one. As Marin points out, the experience you've already got far compensates not receiving the initial money for new managers.
Money are for the team not for the manager. If money are for the manager let me finance my secondary team from my primary and vice versa. Sounds like a bad idea, is not it?
So once again, since it is opinion exchange thread. If those two are implemented like they are descried I'm not having second team (simply not fun for me, this game is about fun, is not it). Though I will be still not against idea of the second team.