My explanations are always:
1. Money
2. Project shut downs
3. Workload
4. and most likely, all previous answers
She seems like her reasoning is much more about her personal life and lifestyle though. All that stuff about being isolated is not something that can really be solved, being in Holo is being (outwardly) anonymous, take it or leave it.
Management probably wanted to get all of the unsolvable graduations out of the way in order to reduce uncertainty, you can't really plan for shit if the people who are supposed to appear in it keep leaving.
I'd say it's almost certainly not money related:
Edit: I'm feeling less hopeful about her being an online content creator now sadly. She's going to go outside and make friends and have a job, she'll become a normie...
Also, the 'bleh' she does in the Hologra was not scripted. She just made the noise at herself after she recorded a take that she didn't like, but didn't edit it out before sending in the files, so they just added that scene without her knowing.
Personal assistants. Rather than a Japan-based Manager, almost all of them need a true assistant. I don't think that'll fly with Cover, even if they can more than handle the costs. I get why Japan-based Cover wouldn't want that, but nearly all streamers that at at the size of even the middle Hololive talents have both a management agency and 2-3 personal employees.
There's just a lot of friction within any organization, and I think not having a central Western organization has caught up with them a bit. But the problem is that it wouldn't matter if Mumei & Kronii are in Canada, Gigi, Fauna and Gura are somewhere in the States (with an occasionally Calli appearance), and then the European ones in 3 separate countries.
Also, frankly, for "online content creators", Japan is about the worst place to operate out of from an IP perspective, and it'll provide endless friction, especially to non-JP based ones.
I don't think Gura actually has the biggest opsec, though. Her immediate family, at least, knows who she is. Mumei hasn't even told hers anything beyond that she does youtube stuff, and she hides any sign of hololive stuff whenever a repairman or whatever comes by. Also, Gura has the shark/hololive merch shelf, but I'd be surprised if she has her giant play button with "Gawr Gura ch" hanging up on the wall where anybody can see it.
She's in the States and bought a house. You can easily not have anyone know.
I do find myself wondering what issues are "ok for some but not others". The only things that come to mind are workload, money, travel and human relations/interpersonal stuff.
Maybe the idea of constantly working and planning towards events and projects that are 1 or even 2 years away and never being guaranteed to see an outcome is draining motivation. Some people need to work with tangibles.
Organizations can be a pain in the ass, but having to do everything remote will always be a headache.
Especially nowadays, for better or worse, people just jump to "oh, it's OnlyFans" if a girl in her age range mentions an online job that she needs to be vague about.
On my end, I'm not sure how to feel about that members stream. It really feels like she has absolutely no plans to do any form of streaming in the near-term, and I made my peace with that, but I guess I was still holding out on some faint hope.
I'm trying to re-frame it a bit now and look at it this way; she did something she ended up enjoying for the time she did it and that is going to enable her to do something that has been a life-long passion/dream job for her (reading between the lines on the marine biology expedition stuff), and we as fans were a part of making that possible. I think that should be enough.
"I do backoffice work for a small Japanese Game company. It's boring but it's a nice bonus income."
I hadn't even thought of that. Yeah, the idea that someone might jump to conclusions and think that would probably be so mortifying for her that she'd rather not talk to people at all.
Yeah, they would. Trust me on that.
I still think a lot of these girls joined for a much laxer working environment where shit was just slapped together on the fly and vtubing was seen as much more of a "hobby that makes you money". Now these girls are basically half-streamer half-pop star, with a billion responsibilities and limitations, I don't think you have to complicate the reasoning so much to see why some members aren't really willing to stay anymore.
Things changed and friction adds up.