If Biden's reelected, she's the heavy 2028 favorite.
If Biden loses, she's the 2028 favorite.
If she wins the presidency in 2024, she's a prohibitive favorite in 2028.
If she loses as a presidential nominee in 2024, she'll be about as popular as Hillary Clinton.
This. I don't understand why people think she'd be blamed for a Biden loss in 2024. If Biden loses, the economy will probably be blamed more than anything else and while Harris has had some challenges as Vice President and would probably struggle in a general election it's not like she can't spell potato like Quayle or literally killed a man like Cheney.