Those claims by friends of the couple (according to VF) go even back further in time: they were looking for a house in LA from right after the wedding (apparently, they haven't been very successful in those two years)… as Meghan wanted to spend a significant amount of time in LA?! If so, that 'part-time royal' idea, was probably in the back of their minds from the start and should have been discussed prior to their wedding, so the queen could have made her mind up at that time instead of being confronted with these ideas one and a half year in after she had passed down patronages etc. However, if they had done that, they might not have had the platform they needed to start their new lives as royalty-like celebrities.
And now Harry apparently is lonely and directionless (as VF describes it - I do understand why Harry would be directionless as they haven't really an idea what the future will hold but why would Meghan have been directionless in the UK?); not knowing anyone and fully depending on Meghan and her circle.
And this article also states that they wanted financial freedom (which to me was clear from their first message on their website); but again; that is something she knew going in... So, if those are the conditions at the start, either don't commit to it or discuss it in advance.
So, either things were not thought out well by the couple -which is a major failure in any marriage but especially when going into a royal marriage, which also includes a commitment to become a working member of that family- with them giving up really soon; or they thought things out very well - which would mean they deceived both the BRF and the public.