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Why live a lie? Memberships automatically draining wallets? Merch? Merch tanks if the girl starts to just suck and people get disinterested, see Kronii. It is doable to ride out the good will of an established fandom, mind you a fandom that is there and exists 100% BECAUSE SHE WAS STREAMING, and then just coast that goodwill into the dirt, gradually parasitizing and converting peoples' honest trust and good will into money for nothing. You can sometimes do this a while, even. But once a chuuba is clearly doing that they shouldn't be taken for anything other than someone bumming around abusing the trust of the remaining fans.
I'd argue it's basically cruel, just flat out being a bad person, to abuse the trust of strangers just for money, money given in good faith riding off a false hope. But that's on them to deal with. The quitters who just parasitize their oen former glory and image to live a falde promise, those are in reality all awful people, arguably except for Sana who had the decency to not do that and just be honest and quit. But Hololive clearly doesn't normally work like that, and I mean Cover has zero incentive to change this and be an honest broker in this matter because they get free money for nothing too.
Basically because the girl will only rarely tell you to stop giving money for nothing, and Cover itself never ever will, the onky way to stop is to do it yourself voluntarily. They won't close your walley for you.