I have two theories as a certified chumbud.
1. A more personal interpretation. Gura has achieved fame and wealth and it all rings hollow. This has happened to me after I achieved my personal life goal after which I thought everything would sort itself out and life would be great. This didn't happen. Gura might be genuinely at a loss of what to do with herself and her life in a more philosophical and hard-hitting way that is unrelated to streaming. Once you achieve your dream, especially if that dream is related to financial and professional security you often turn around and see how empty your life really is. This is something all adults eventually face, but almost none of us solve. I still don't know what the fuck I'm supposed to do now and I'm 35. It's THAT much of an issue.
2. Cover doesn't know what the fuck they're doing. Gura has complained about restrictions before, and so did other girls. Paradoxically the more successful she became the tighter the noose around her neck became as Cover tried and tries to stifle her independence, or to be precise streaming content and way of doing things. They seem to go out of their way to sanitize and defang her, even though she wasn't and isn't controversial in any actually harmful way. In fact, she is quite creative and talented as fuck as we have seen now and before when she was HER. Cover doesn't want her to be any of that, or do any of that. And I think this has utterly demoralized her, killed her will to stream and made her hate both the company and herself. She's been shoeboxed into being a one trick pony, and that must be pure agony for her. All this success, wealth and security came at the expense of something much more important - herself. Her soul. And I think she realizes this. SHE KNOWS THIS. But as an adult with (possibly) her parents depending on her, in a world that has gone to shit, can one truly afford to just leave and go back to being an indie?
Even worse - Nijisanji and other smaller companies. They have a much, much looser hold on their talents and it shows in their streams. You have someone who doesn't respond to lewdness at all and doesn't want it (Rosemi, Petra) to Finana and Enna & Millie who tease all the time. Gura may look at all that with longing. And then it gets even worse if I think about PhaseConnect and Pippa (I'm not trying to shill, plz unastand) who does a huge variety of streaming content and is a genuine menhera, but whom if Gura knew of her would bring a tear to Gura's eye because that's something she'd love to do in terms of content. Hell, Rosemi does little meme vids all the time - but Gura can't.
Basically Gura may be a victim of her own fame, utter callous disregard and draconian Cover policies and on top of that can see shitloads of chuubas who ARE NOT and are doing their own thing while still being relatively successful.
I love Gura, and if she became an indie or even switched companies I'd follow. Something is deeply rotten in Hololive, and it sure as fuck isn't the girls. The girls are excellent and we aren't seeing their full potential because Cover doesn't know how to utilize them at all.