I could give a rip who lives in a mansion or not but I'm a big proponent of living within your means. If Harry & Meghan couldn't afford to live in a mansion and still within their own, financially independent means, well, I guess hard choices must be made. I drove my 2002 Hyundai Elantra into the ground (14 years and a barely working a/c some of those years when I just didn't have the extra cash to pay for it to be fixed), I had the same laptop for 10-12 years because until last summer's stimulus, I didn’t have the extra cash to replace it.
We make choices and, unfortunately, Harry seems to feel like he is entitled to live beyond his own means because... "I was born into this". Okay, and so are people who are born into poverty. You make of life what you will and, as many others have pointed out, repeatedly in this thread, they made a choice to go for the expensive Montecito mansion. There are other places in the US where they could have chosen to live that would have stretched further the limited dollars they have. They made the choice, just like Charles made a choice. And I doubt he made this decision without consulting William since once you make a choice to fund Harry's lifestyle, working royal or not, you’re sticking it to your heir to do the same otherwise he will look like a total jerk. Frankly, I kind of give the side-eye to the Queen because she's made a habit of supporting her kids and kicked that can down the road for Charles & William to deal with and whatever negative publicity/fallout there is from basically telling the rest of the royals outside the direct line to "get a job". Harry is very much "have my cake and eat it too" in this situation, IMO. He didn't think that what happened to Bea & Eugenie would happen to him. And here we are... no RPOs, no Bank of Charles, and not much he can do other than spout off about how hard his life is. Yeahhhhh... okay. It's tough there from that beachside SoCal mansion with your beautiful wife and designer clothes while you go on international television to trash your family for expecting that you live up to your end of the unwritten contract that is life as a senior, working royal.