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Kind of on a tangent, but the purpose of the Lulu Fund itself was to allow Abe and Munch to build Lulu's fortune without having to actually control Lulu himself. I'm fairly confident that was the designers' way of keeping Lulu from becoming as important a character as Munch, which I know was an issue they had with the original idea.
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Based on Paul O'Connor's designer diaries, I'd say that the fund was established when OWI realised they didn't have the technology to allow Abe/the player to control Lulu directly and cause his advancement. The level description Paul gives is highly complex and even at the time I couldn't work out how they would achieve it.