Usually when a person is incapable of keeping mundane things of their life story straight, the chances increase that they are just a liar, nothing more.
Harry's whining about money, is the stereotype of the upper classes which are often used to others paying for their fun, yachts, parties even real estate.
Fact is that even Charles complains about coins.
There are mere mortals and there are the clients of Couts, Cie Rotschild, and Bank of Nominees, which are different leagues of wealth.
Diana for example inherited the Spencer Trust Fund in 94/95, the money is never mentioned about 20 milion£. She got free housing, free travel (Crown) , staff paid by the Crown and a estimated worth of jewelry of about 50 million. Plus divorce settlement.
When Peg arrived on the scene, pap walking in Wellington boots, I estimated Harry at about 60 million£, even if everything is locked away from the wife, nothing is locked away from the children.
They are after global fame, and global influence, the billionaire league, just with added stardom.
The events of the past are enabling them, their delusions of grandeur are telling them that they are doing nothing wrong, nothing that Diana hasn't done, by turning the monarchy into a voyeuristic fantasy made real, the pop princess, the people's princess, and the global star mingling with politician's without a single O level, purely by virtue of marriage (its what made it possible)
Her staunchest worshiper Morton in his book, doesn't miss the opportunity to point out how she modernised the monarchy, and changed their boring stuffiness of the 70s.
The point is that their game is based on the past, and this time they are going to play the long one, until the start of Charles reign, unless they completely selfdestruct by then, the start of Charles reign will make them dangerous.