Diana did her interview and hastened her exit along with $22 million, $600k a year and a dedicated RPO (which she turned down) in a settlement. She had been in the family for 15 years at that stage and, given what she’d put up with, she got a nice severance package all things considered. I think that’s the kind of package Harry was likely thinking he was entitled to. He was born into the risk and was unprotected like Mummy. The problem was that Harry, at the time point of Megxit, pretty much had what his mother got. He had inheritance which, over a quarter of a century of compounding, had grown via investment. It is not unreasonable to say he had circa $20 million in personal wealth. That investment amount was capable of drawing dividends at a conservative 3% which would, if invested in things like blue chip stocks, equate approximately with Dianas $600k a year payment. And they were still free to go signing on willy nily with whoever would have them.
Their problem was that 32 million had been spent on them marrying, an outlay paid for on the expectation that they would be long term (and popular) working royals. This money wasn’t spent 15 years ago either. Imagine starting a job, see your employer spend thousands on training you, you get all your certifications and then you decide to leave. They would, quite understandably, be pissed off.
That they wanted out so soon after the wedding, wanted to be kept financially along with a full time assigned protection officer so they could cosplay as Diana in America did them little favour. They were asking too much. The numbers were crunched and since they wanted financial independence they were given a couple of million quid since their security costs in Canada ran to $33k a month. At that rate Harry could use that money to pay for 60 months of security. A full five years. It would have also been inferred to him that he might want to start dipping into the tens of millions he personally had and this is where I think the toys got thrown out of the pram.