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One rrat about Monoe that I haven't seen brought up here or anywhere else is that the contract breach was because of her semi-secret Amazon wishlist that she opened briefly around Christmas 2020 so fans could send her Christmas presents. It could have been against the monetary terms of her contract with GYARI, i.e. the contract may have forbidden her from making money off the Monoe character in ways other than streaming.
From what GYARI, Pikamee etc. have said, we know that the contract lets the streamer keep all youtube revenue whiile GYARI gets to keep the revenue from merch. Since merch is a more vague category and GYARI is the original owner of the character, I could totally see the contract being written as "streaming revenue goes to the streamer, GYARI reserves all other monetization rights for the character".
So putting up an Amazon wishlist for Monoe, to which people sent probably thousands of dollars worth of gifts, including multi-hundred dollar cart-blanche Amazon gift cards, could clearly be interpreted as profiting off the Monoe character outside of the streaming context, which would be a contract violation.
Employment contracts usually have clauses in them describing how to remedy contract breaches (or "cure" them, in legalese), which usually involves paying back whatever damages were caused. But a lot of the stuff Monoe received on her Amazon wishlist was probably not possible to resell, and she'd probably already used all the gift cards by February when GYARI eventually learned about this. Maybe she mentioned it to him because of tax season coming up or whatever - I don't think she ever posted the link on her twitter or anywhere, just in the youtube description of her Christmas stream, or maybe even just in the chat comments of that stream.
As ebosi, on her twitcast she's mentioned that she's pretty broke because she's almost two years behind on her Japan pension system payments which she's trying to catch up on (basically like social security payroll tax in the US), due to being a NEET for a little while a few years ago. So she probably wouldn't have been able to pay back any damages directly in cash.
TMSK mentioned on her announcement video right afterwards that the four of them had discussed "other possible options" but that in the end even Monoe decided that ending the contract would be the best option. I can see that being the case if lack of money forced her hand, e.g. if she didn't want to borrow money from any of the others to pay the damages etc.