Well, Umbrella was a really successful pharmaceutical company. Even with the virus research and the like going on behind the scenes, they were making a killing off of their legitimate products. This applied in both movies and games, IIRC. Less explainable in the movies because of post-apoc. Maybe they started printing Umbrella dollars for their employees to use, since the actual economy must have shattered.
As for the family experimentation, I remember that it was the scientists experimented on the families of other employees, not their own. Probably bad writing, or Spencer's crazy being made into company policy. Guy never actually cared for profit, after all.



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