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At game start your economy is strong, troop availability isn't.
That doesn't seem surprising at all. It's good units that cost money, and good units are hard to come by early on - and if you're not conquering cities you're presumably not using a ton of units. Castles are less of a drain too, so it's especially profitable sitting there doing nothing. Given the object of the game is to capture a lot of cities, it doesn't do much good to accumulate money doing nothing though. If one is filthy rich, it just means you're not expanding fast enough.
So with byzantines money will be spend on troops and buildings, with England you cant spend the money because troops are unavailable and you lack the settlements to keep building, thus money piles up.