COMMENTARY on 4:128
Mustafa Khattab:

Translation:
If a woman fears indifference or neglect from her husband, there is no blame on either of them if they seek ˹fair˺ settlement, which is best. Humans are ever inclined to selfishness.38 But if you are gracious and mindful ˹of Allah˺, surely Allah is All-Aware of what you do.
Commentary:
38   This implies that many husbands and wives are unwilling to give the other their rights.

 

A. Yusuf Ali:

Translation:
If a wife fears cruelty or desertion on her husband´s part, there is no blame on them if they arrange an amicable settlement between themselves; and such settlement is best; even though men´s souls are swayed by greed. 638 But if you do good and practise self-restraint, Allah is well-acquainted with all that you do.
Commentary:

638  To protect the woman's economic interests, various rules are prescribed for dower in marriage. But the sanctity of marriage itself is greater than any economic interests. Divorce is, of all things permitted, most hateful to Allah. Therefore if a breach between husband and wife can be prevented by some economic consideration, it is better to make that concession than to imperil the future of the wife, the children, and probably the husband also. Such concessions are permissible, in view of the love of wealth ingrained in unregenerate man, but a recommendation is made that we should practise self-restraint, and do what we can to come to an amicable settlement without any economic sacrifice on the part of the woman.