She‘s always done photoshoots and commercials, even while she was training competitively. (one of her most famous Nike shoots happened in the lead-up to Worlds 2019) Trusova, Valieva, Shcherbakova and co. also manage to include commercial opportunities in their free time.
Zhenya’s career effectively ended when she reinjured her back in the summer before the 20-21 season, then couldn't return to Orser and had to switch to Eteri, had some sort of surgery and later got severe COVID, too. Maybe she could have kept going if one of those factors hadn't been in the equation but as it was, it became nearly impossible. In that very last interview she mentioned that since she had 48% lung damage, she lost nearly all of her weight (watch her RusNats 2021 performance and her newer ones for reference/comparison) and effectively had to start from scratch. With the Russian ladies already being competitive as it is and the Tutberidze team having about 6 younger contenders for the Olympic team, the time a 21 year old returning after severe injury/illness would need, is simply not there. I do believe that, had the whole pandemic not happened, she‘d have stayed with Orser and tried to make the Olympic team.
And why not, really? She‘s not competitive within Russia anymore, and so what? Tuktamysheva kept her career going for several seasons without coming close to making a Worlds team.
No, the issue for Evgenia (and she's stated this clearly multiple times) isn't a lack of motivation or desire to continue but simply her health. If her body would allow it, she‘d be in Moscow preparing for the season. But since that’s not the way it is right now and she's not sure it ever will be again, she‘s looking into other options. Which is smart because, as we can see, she can have a pretty good, rather successful (and probably way less stressful) life doing shows, TV appearances, going to university etc.
Do I think she‘ll come back. Honestly, no. As much as it hurts to say this, it‘s been obvious for a while. With the way skating‘s looking right now in Russia and the coaching team she‘s under, it‘s just not probable. But I do wish we‘d get to see those final programs, Alegria & Masquerade, one last time in a somewhat competitive format (even with watered down content).