Not at all, it is just my interpretation of what you contract says. Let's say Trump is successfully removed from the gene pool of humanity violently, then another candidate will take his place. In this case, either Kam wins and Suchmoon wins the bet provided all goes without unexpected events or the other Rep candidate wins in which case another candidate got the majority of the votes an it is a draw (impeded the others to reach 277).
AFAIK it's past the deadline to add someone new to the ballot in most states (keep in mind that mail-in voting has already started; ballots are likely being printed in states/counties; etc). So Trump would stay on the ballot even if he's dead.
Also I wouldn't be so sure that if it was possible for Trump to drop out, Kamala would automatically win. Seems like many Kamala voters are energized by anti-Trump feelings.
At any rate, if such an improbable thing were to happen, maybe involving courts / SC, I think we would find an amicable solution. Probably call it a draw.