The reality is that the campaign donations accumulated by the Biden/Harris ticket are only available to Harris. Anybody else is funding-challenged even more than Harris at this point. From the standpoint of campaign finance laws and the practical realities of fund-raising, it was Harris all along.
I've been seeing things that say they could form a SuperPAC with the existing donations and we know SuperPACs have more or less no real limit on spending as long as it's not coordinated with a candidate.
OTOH, candidates get a better ad rate than SuperPACs, so there's a lot of dollar effeciency lost if you have to go that way.
I must admit that I don't know all the nuance of campaign finance laws, but the donors gave their money to a particular campaign. It isn't completely clear to me under what circumstances those funds can be pledged to another candidate without getting the original donors' sign-off. But as I understand it, much of the Biden/Harris money is restricted to the campaign.