Sure, but of the people I know that are centrists and independents (and that's most people I know), I think all of them would vote for Kamala over Trump. If it's Trump vs Biden, I think most of them stay home.
I mean, there are no great options at this point. Nothing ideal. Biden suddenly and alarmingly being unfit to continue to be candidate is something that should have been game planned for years ago. It wasn't (fuck you Dems). So, given that, what's the most likely to succeed of the Dem's shitty options? It isn't this:
As for the coffers of fairy dust and unicorn farts, yeah, that's why I am picking Kamala as the least shitty alternative to the shittiest option of staying the course. Has it been discussed whether she could stay VP and someone else take over as the Presidential nominee without all the fundraising issues of a completely new ticket? Also, why can't Biden now just issue an executive order declaring any laws that make swapping candidates financially problematic null and void? 😜