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She’s the only candidate with access to the existing campaign funds. There’s not enough time to refund them all and donate to a new candidate before early voting ballots go out in eight weeks. If it’s not Harris, they’ll have to be independently wealthy to fund their own campaign in time.
Yes, she's the only candidate, but the funds can also go to the DNC or a Super PAC if Biden directs them there.
That’s incorrect. Only a few thousand is transferable to a candidate not on the existing ticket. The rest would need to be refunded to donors.
https://www.reuters.com/world/us/91-million-question-what-happens-bidens-campaign-money-2024-07-18/
Literally from the article you linked.
He can also transfer to a Super PAC.
Edit: In case you don't believe me again.
https://www.vox.com/joe-biden/361991/361991biden-campaign-funds-after-drops-out