looks like a combination .....
skip the fungicide for now....
remove the moss - replace with rock or pebbles - the moss will retain too much moisture
pull the plant from the pot ...wash off roots .....check the roots and caudex below the soil line for *anything* that is not white ...if roots are tan, brown or black ...it means you have root rot
will need to remove roots that are not white ....root rot will spread and will reduce the plant to mush
ensure pot has drainage hole .....repot with a fresh, fast draining - chunky, gritty potting media ...containing mostly inorganic material like rocks, pebbles, lump charcoal, sharp sand & perlite .....
the largest upper leaf looks like a type of Phytotoxicity (leaf damage) or leaf burn, after using insecticide, on a sunny hot day
that and a couple of other leaves look very much like a spider mite attack (pale nearly green-less leaves) ....
as mentioned by
@drdawg ...look closely for "very fine" spider like webbing ....
if spider mites are present - treat with either insecticidal soap or a "summer" neem oil .....normal neem oil is too heavy for summer use ...follow label instructions for how much and reapplication intervals ....spider mites are treatable but its necessary to stay on schedule with treatments
the "blotches", margins and/or tips browning, on leaves may indicate either too much water or not enough
when using insecticidal soap ... do not use insecticidal soap in direct sun ...(the worst that "can happen" is skeletonized leaves)
spray on ....allow to dry .... then spray / wash-off < dont skip the wash-off cycle
once dry, the soap (fatty acids) is no longer effective