Yeah maybe you're right about Kamala's unpopularity being reflected on Democratic congressional candidates. Everyone's quick to point fingers about why the election results are the way they are (myself included of course), but it's honestly hard to say which factor had the most impact.
And I feel the same way about the electoral + popular vote thing. If the Democrats are going to lose anyway, a convincing defeat can at least be a wake up call for change. And this way we don't have to worry (much) about people claiming it was rigged.
I do the same, but I think they were asking for people who can't pay it off. Those are absurd rates.