I have not read Harry and Meghan's statement so maybe I haven't grasped the mechanics of what will happen.
But I would like to focus on what "work to become financially independent" means. If Harry wasn't the Queen's grandson and if his mother hadn't been Princess Diana by marrying into the Royal Family (RF), he would make limited money from the celebrity circuit as no one would be interested in hearing him speak, interviewing him, having him endorse anything or buying things that have the Sussex logo pasted on them. Nobody would care who he married or what his baby looked like. His mother dying in a car crash caused by her boyfriend's drunk driver speeding dangerously in a tunnel in Paris probably increased his earning potential on the speaking and endorsement circuit.
The reason he has access to any wealth is due to his connection to the RF - his mother would not have had the wealth she bequeathed to him if she had not married Prince Charles and Harry would not get his allowance from the Duchy of Cornwall if the RF came to an end.
To me it seems the RF is a bit like a company, in that it has a culture and rules and responsibilities its "employees" (the Royals) needs to follow in order for the RF to keep generating income and to try to justify it's obscene privilege and wealth. Unfortunately, unlike in a company, the shareholders can't vote the members of the RF out at an Annual General Meeting.
In return for access to that RF wealth and the potential for future high earnings from being connected to the RF, Harry is required to follow the RF culture and its rules. That goes for anyone who marries him.
If he is walking away from his inheritance from the RF via his mother and his income from his father and not exploiting his RF connection to earn money, and is therefore living a more modest lifestyle in keeping with his non-RF related skills, attributes and qualifications, then I am happy for them - they have chosen integrity and freedom over wealth and privilege.
But given the sudden requirement for private jets and expensive holidays since he got married and had a child, I doubt this is what Harry and Meghan are intending.
So if Harry and Meghan are trying to hang onto the RF credentials to earn money to keep them in the lifestyle to which they have become accustomed, while dictating the terms with which they will be part of the RF corporation - to me they seem to be just like any another employee who adopts a mercenary outlook e.g. asking for a 3 day-week, the ability to work from home, less supervision by his managers, and the chance to produce less output without taking a significant cut in salary.
If that is what they are trying to do, then Harry and Meghan are not the first employees to see things only from their perspective and put their needs first, rather than prioritising the business in order to ensure the business remains viable.so that there continues to be a source of income for the business-owner and other employees. They are not the first employees to try to get more out of their employer while giving as little in return as possible and feeling entitled to do so. They are not the first employees to ignore the fact that their income is only possible through the hard work of others, who will continue to shoulder their responsibilities and work the hours to keep the RF going so that Harry and Meghan can earn an income from their connection to the RF.
I doubt there is much the rest of the RF key players can do about it - while it continues to exist, large sections of the public will be interested in the RF and so Harry and Meghan will be onto a nice little earner.
