I guess you forgot about the corpse of Biden. Harris belongs in that "challengers" category except she had less support than DeSantis and Haley (from both Democrats and Republicans!). Harris has never received a vote in a presidential primary.
The Democratic party enabled Trump to win by not forcing a clearly incapable Biden out of the race earlier, allowing them to run an actual primary and then choosing a terrible candidate because they backed themselves into a corner with identity politics. Remember, the Democratic party was totally fine with Biden until he was forced in front of the American people and they got as good of a look at him as the party had.
That's how our system produces these horrible candidates. Each party acts in their own self-interest because they have a stranglehold over the electoral process.