I think the problem with Meghan is not that she's done anything obviously 'wrong'. It is the general feeling that she's going her own way and not taking on board what the public is saying, and probably what the Royal staff are advising. She seems increasingly to be micro managing Harry, writing his speeches, photographing herself watching him rehearse, and now managing their social media posts. Even the donations are mentioned in dollars, which is a bit crass, as I assume many of the donations came from Britain, not just America.
I just don't get the feeling she is interested in learning about the country she is supposed to be representing, she wants to carry on regardless in the same mould she was used to as a single woman.
Her spending is causing speculation. Yes, Kate also spends a lot, but she is the Queen in waiting. She has been a member of the Firm for quite a while now and she's earned her spurs. She recycles a lot, and doesn't appear to splash the cash for the sake of it, or in a celebrity sort of way the way Meghan does. Kate has an image as a fairly normal sort of woman really, who likes the outdoors , loves her family and keeps her private life private. She doesn't hang out with celebrities or have elaborate showy baby showers and understands that engagements are not about herself, she is representing an institution . I still don't think Meghan gets that. It feels like she thinks it's the M and H show.
It also feels like Meghan is picking and choosing what events she does in a way the other Royals perhaps don't to make herself look good.
I imagine this grates with William and Kate whose attitude is more pragmatic. Who knows really though?
As for Meghan working her way through University, I thought it was common knowledge her father paid for her education, even though this is not the image she wants to project. A lot of her 'work' also undermines her feminist credentials, being a suitcase girl and doing ads which were very sexualised. So much for empowerment.