Not sure why you're so confused by Toast's response. You argue she's a woman of her own means, Toast argues she's a gold digger. You say her money is going to come from selling her story about being married to a member of the Royal Family and cornering the 'royal baby wear market' in the USA, which would mean her being in the marriage to make money out of it: the very definition of her being a gold digger.
I'm not picking sides in the discussion, the whole debacle has become incredibly toxic. But to add a fairly brief comment on her 'own means', I wouldn't deny she had a career before Harry, but, personally, I'd never heard of her or 'Suits' before she got together with him, so it would be foolish to suggest her profile hasn't be increased tenfold by being involved with him, whether it works out or not. And it is at best incredibly naive if she's telling the truth that she didn't research the royal family at all before agreeing to marry Harry, the family is littered with failed marriages and her own friends warned her of the issues with dating him. It's somewhat disingenuous to walk into something with your eyes closed shut and then complain it isn't what you thought it was going to be.
But on the other hand, I have absolutely no idea why this thread's been activated today, she should be left to her own devices on the other side of the planet, today was supposed to be about laying the Duke of Edinburgh to rest. It seems as much of it has been about whether William and Harry have made up, but even then, that's nothing to do with Meghan, it's between the brothers and the wider family.