And my tuppence on money issues...
- Public money =/= taxpayers' money
The Sovereign Grant and the revenues from the Privy Purse/Duchy of Lancaster are used to discharge the Queen's official duties - the public engagements, travel, staff, etc. Both these sources of funding are the profits of businesses, properties, mines etc, NOT from the taxpayer. Any other royals carrying out engagements on the Queen's behalf get those expenses paid for. The Queen holds the Crown Estate (a multi-billion pound portfolio of land and businesses) in trust for the nation and is under a legal duty to use the Sovereign Grant (a proportion of the revenue from that portfolio) to maintain royal properties which are part of the Crown Estate, which includes all of Windsor Great Park and of course Frogmore Cottage. So there is no need for H&M to repay the money spent refurbishing it. If they do, it won't go back to taxpayers anyway, because that's not where it came from. It would just be spent by the Queen on refurbishing somewhere else, or on travel expenses. But I can see why they would choose to repay it, just to shut people up. The allowance they (and William & Kate) get from the Duchy of Cornwall (Prince Charles) is private wealth - not from the taxpayer or public funds.
- Taxpayers are only funding their security - like everyone else in the RF and all sorts of other people including Cameron, Blair, etc.
- Their personal wealth is neither here nor there.
She made all her money by hard graft, he inherited his from Diana. (There's a whole different conversation to have about that, but my point is that it's not public or taxpayers' money). If they were complaining about the size of their dressing allowance, or how many nannies of holidays they get, they could sod off, but that's not the problem.
- They never asked to do less work for the same money
The allowance from the Sovereign Grant , which covers expenses, would have reduced anyway in line with the reduced duties. IMO, they basically wanted to work in a way which would enable them not to have to live here all the time.
When the Queen rejected the half-in, half-out model, they offered to work for the Queen without drawing
any public funds, but that was also rejected.
Info re sources of funding taken from royal family website, other info from public statements of Queen, H&M, papers submitted to the court in Meghan's court case (via Byline Times) and Harry's speech at Sentabale dinner.