About the whole "anointing/undemocratic" thing, it's not. When you vote in the primary, you're technically voting for an elector, not the candidate. Then the elector votes for the candidate at the convention. This is why candidates have to "release" their electors if that candidate wants them to vote for someone else other than themselves. If Biden released his candidates but told them they must vote for Harris, that would be "anointing". He didn't, he released them and told them they can vote for whomever they want. He then endorsed Harris. No one else threw their name in the hat. The electors themselves have chosen to pledge to vote for Harris.
Similarly with the threats to sue the Biden campaign over their war chest and keeping it from Kamala, those threats to investigate or sue will go nowhere. It was the Biden/Harris campaign, not just Biden. Therefor Kamala has full rights to the campaign funds. If they were trying to just give all the money to another candidate, that would probably be a problem.