I don't think there's anything I can say that hasn't already been said, other than there should be increased protections audience-side for giving a chuuba large amounts of money several times over with nothing to see for it.
Is the solution increased legal oversight? I don't know, maybe! At the rate things are going, this sort of nuclear option may be necessary, as will the growing pains afterward when the "ez money train" has left the station. I do not trust the VTubing community at large to self-police things like this, especially when it's wrapped in several layers of calls to emotion and parasociality.
Everyone has their problems, yes! You do, I do, we all do, life's shit and we gotta roll with the punches! But not everyone can get away with raising large amounts of money, promising things to do with that money, and not delivering - let alone multiple times over! It is becoming increasingly more difficult for me to be sympathetic as time passes, and believe me, I desperately want to be! At the same time, I am easily emotionally manipulated, so I shouldn't be the one to run for defense in any sense of the word; she's a big girl, she can do it herself.
I feel like a sizeable amount of her "haters" would be converted to sympathizers if they were given the full story, but unfortunately this sort of thing is impossible due to her previous work, so what she can do during her hiatus is to slowly re-build her reputation in a way that doesn't include asking for money again. It's going to be a long, difficult path for her to take, but it's entirely up to her whether or not she wants to take it - but I strongly suggest she considers it, if she wants to continue VTubing in the future.