I don’t believe she is, here.
We’ve discussed several times here the fact that royal family members are often put in a difficult position when given lavish gifts from foreign regimes. As representatives of the government they would cause offence if they refuse them. They don’t have to wear them though.
Sophie was harshly criticised in the press for being given a suite a gift of diamonds by the rulers of Bahrain when she and Edward were on an official visit there. Criticised just for being given them, mind, which was something she had no control over. She has never worn them.
The earrings in question here were not an issue when they were given to the Queen as a wedding present for Meghan. It was only after the Saudi invoment in Khashoggi’s murder came to light that they became controversial, and it was only after that that the earrings were worn. There was an intentional obscuring of where they came from i.e. someone must have knew that the identity of the donor was a problem.
Meghan write in her emails to Jason Knauf right around this time that she was annoyed that people thought she relied on other people for styling as styling herself was one of the few things she retained complete control of. And she obviously liked these earrings, as she wore them twice in quick succession. I find it bizarre that people would suggest that she didn’t choose to wear the earrings herself.
I also find it bizarre that people think she didn’t know that hugely expensive diamond earrings she picked to wear twice to set off evening gowns were a wedding gift to her, and from whom. Her senior staff (back in London when she first wore them in Fiji) obviously knew this. Meghan must also have signed off on a thank you note for her wedding gifts, even if she didn’t pen them herself - that is absolutely protocol.
So on this one, someone knew the provenance needed to be concealed when the earrings were worn first in Fiji and then in London. I think it’s pretty clear that the roads lead back to Meghan here, but obviously other people will disagree.