You know this once again sounds very much what a ost player faces when he faces he faces maxim spam with guards. their is a lot of whine of players. but to be honest not one of you buys the zooka and then complain that you dont have anti vehicle options.
1. Kubel takes 3 hits to kill with a zooka
2. Zooka accuracy against Kubel is 0% at the range Kubel can suppress you at (seeing as it has more range), and 50% if you somehow manage to get into zooka range when not suppressed. Less than 10% if you happen to get suppressed by it or one of the other half a dozen kubels in the area.
3. Zookas cost 60 munitions each, while you start with 0 and have maybe 15 income for the first 6 minutes before an m20 can try break you out...except getting a zooka means that'll be first 8 minutes by which the puma is already chilling out next to your base or the obersoldaten production line has started producing some balanced axis infantry to welcome you. *
*In fact I suspect you get more zookas out by the 7 minute mark by making two m20s instead of trying to tech for zookas. Not that zooka is in any way a realistic counter to Kubel, even the (lol) BAR does better.
I'm sure you are making this magically work with your german wundermagic.
Meanwhile, what do I do against maxim spam as ostheer? Grenspam. What do I do against maximspam as okw? Volkspam. And it works pretty much every single time, maxims have always been the weaker of the sniper/maxim start choice since over a year ago.