You would have to be really dumb, delusional, thick etc., to think that a HR employee could decide on an inpatient psychiatric treatment without the referral and assessment of a psychiatrist. It was a totally unrealistic request and more likely it was a test to prove the Royal Family had 'wronged' her, something else in her back pocket to use for her own benefit later.
It was all so bizarre, which is why people question the truth of it, why wasn't Harry doing something to help, why wasn't her mother, her best friends, the Soho house guy, Jessica Mulroney. Why does she have no criticism for those closest to her for letting her down, letting her struggle with suicidal thoughts and do nothing.
No one knows the real truth, except that she was really unhappy with her lot and wanted out of the obligations of being a member of the Royal Family. In hindsight, it appears she was working on building their victimhood narrative for use at a later date.
There were also rumours the inpatient facility Meghan wanted was a very exclusive and very expensive Wellbeing and Mental Health Spa / Clinic, which she wanted the RF Human Resources department to pay for (clearly Harry didn't want to cough up his own money). No need for medical referral, self referral is accepted at these these Spa / Clinics which can cost up to $100k per week.