I understand your point, and to some extent agree it. This scenario has made Megan much wealthier than being a working royal. But I do think she lacks intelligence. Being a grifter doesn’t exclude that potential. They are not mutually exclusive.
fortunately for her Harry is a bit thick and very damaged, so easily manipulatable. He wanted to be more important than his brother, to have the wife and kids, and Megan presented him with that opportunity. He thought she was a big star, and I’m sure she didn’t dissuade him of that idea.
but The steps they have taken are misguided to say the least. The lies she has told, have erred on stupidity. From not knowing the royals, to getting married a day early etc, it is bordering on idiotic, her infatuation with being famous, being with the famous, for rhe sake of it, is not the sign of someone highly intelligent. The damage to her own rep could have been avoided, she could have played it smarter.
it also seems highly plausible she did indeed bully staff at rhe palace, and the palace have covered this up for her. A smart person would have managed that very differently.
for me she’s a fame hungry, grabby, grifter. She’s done very well for herself, and she hard core dumps and discards those who don’t serve her in her quest. She’s highly focused on achieving her rich and famous goal and takes everything she can get.
I doff my cap to her, she’s come a long way, she is a self made woman, her children are titled. She’s a multi multi millionaire, she’s grifted her way there and achieved a lot. She is no fool. She has street smarts, she has her eye on the main chance, she knows where the money is, but she’s also lacking in an additional layer of intelligence that would have had her reputation protected as well.
who cares though. She never has to work a day in her life again. Nor do her family. Her kids are protected, so who cares if the public dislike her. She can do as she pleases. Her grifting days are over if she chooses.