Talk is still ongoing, but Chelsea is still reluctant to pay what MU wanted. They're a club with smart business, and they have some left wing at this moment. They will patiently wait until MU will agree to let Garnacho leave with their demanded price.
Your statement gave vibe like Chelsea were rushing to get Garnacho, while the fact, they're not.
The reason why Chelsea is reluctant to sign Garnacho from my observation is because they were considering any other options, Garnacho isn't the most preferred winger they want at the moment. If their scout can present other good options they might avoid signing Garnacho. Few weeks ago, Chelsea had eyes on Simons, but that deal look impossible. Imagine it was Rodrygo who was open to the sales, trust me many clubs would've bought him since the window opened.