Monolayer ZrTe₅ is predicted to host a large-gap quantum spin Hall phase, motivating efforts to isolate single layers of the material. Gold-assisted exfoliation produces clean monolayers of many chalcogen-terminated van der Waals crystals, but the strong Te-Au bond may compete with the bonding network of the ZrTe₅ layer itself. Across tens of samples, low-temperature scanning tunneling microscopy on gold-exfoliated flakes shows a disordered monolayer surface in the overwhelming majority of cases, while thicker flakes preserve the characteristic quasi-one-dimensional chain structure. Ab initio calculations of the ZrTe₅/Au(111) interface reproduce this asymmetry and resolve its mechanism: the Te atoms facing the gold chemisorb, rupturing the weak zigzag Te-Te bonds that cross-link the ZrTe₃ chains, turning the discrete bond-length spectrum of the crystal into a continuous one, while the chains persist as distorted units. Charge analysis shows the signature of covalent Te-Au bonding with a modest transfer that hole-dopes the monolayer; in the bilayer, the distortion and the doping stay confined to the layer contacting the gold, and the chemisorption and disorder each preclude the predicted quantum spin Hall phase. The same quasi-covalent Te-Au bond may perturb the contact layer of other gold-exfoliated Te-terminated crystals, particularly those with weakly connected intralayer networks.