PH could probably just about have subsisted on handouts from PC before MM because as a single guy, with a lot of things (like security) provided for free by the UK Govt, a reasonably small house and retinue and most of his bed and board coming free courtesy of Royal occasions (Christmas at Balmoral with Granny, staying at friends's properties overseas etc) his outgoings were fairly small. Some staff salaries and property running costs, car service, the odd bit of overseas travel and restaurant and bar bills. Even with Saville Row suits it is unlikely that a single guy would spend as much as a woman as he can wear the same suits many times and doesn't need a handbag and shoes that cost more than my house. Chump change when Mummy left you £30m and Daddy gives you an allowance.
But in a few short months, it's all change at St Pancras Station. Frogmore cottage gives some indication of the sort of lifestyle HMTQ imagined for him and MM. Not fantastically luxurious but still a nice pampered existence amongst the Range Rover brigade.
Santa Barbara. Well. I won't repeat the long line of expenses already trotted out. It's like taking someone who has been on UC and housing benefit their entire life, with rent paid, council tax paid, free property maintenance just a phone call away, free school meals, free school uniforms, free dental care and glasses yada yada and dumping them into a situation where they have to pay a mortgage, pay the full whack of council tax , pay for school uniforms and meals, pay to get their teeth fixed and also pay when something goes wrong with the house.
In a relatively short time, Harry has gone from single guy with a few outgoings to married guy with kid and a wife who will never be satisfied. MM is one expensive piece of real estate.