The Harry and M Chan thing is being misinterpreted.
It is accomplishing two objectives from my perspective and both could be indicators of the royal family anticipating future criminal charges against Harry.
It is separating Harry from the royal family and from royal and public funds.
It is changing his residency to Canada, meaning a future divorce will have to be filed in Canada, not the UK or US.
Both objectives isolate Meghan and her access to courts and funds. Harry could simply walk back to the UK, and the Queen can overrule Trudeau.