Yeah the GOP not having a lot of money is one of the few things Biden seems to have going for him right now. His campaign has completely lost control of the narrative and message. With competent GOP leadership it would probably be too late to take it back but with the discrepency in money and complete incompetence in the republican party it's very possible we see the dems take back control of it.
All GOP money is funneled into corporate media channels like OAN. They get their messaging for less money and don't have to follow pesky campaign finance rules.
Though it also seems like it's a limited market cap for those routes. The Dems really have no equivalent for massive media channels. They have to piece together lots of smaller constituencies. Biden's biggest weakness in my opinion is a potential to lose too many of these groups: Arab-Americans especially in Michigan, union workers in PA and WI, etc.
The whole presidential election will be those 3 states: WI, MI, and PA. I think Biden will win AZ and NV but lose GA.
So it sets up kind of a scary scenario where the single reps in NE and ME might make a huge difference and may make or break a tie in the electoral college (which is all but a guaranteed Trump win).
The map is a new balance of power with the 2020 census in place. For Biden to win he must take: NV, PA, and two of AZ/WI/MI/GA.
On the other hand the GOP really only needs: GA + PA as their easiest path to victory.
Of course this assumes that they hold mild swing states like FL, NC, and ME-2. That only ends with them at exactly 270/271. So nightmare scenario if electors vote for someone else.