You live, you learn.Finger-pointing has erupted over the Kamala Harris campaign blowing up to $20 million on swing-state concerts Monday night, hours before the VP’s spectacular election loss to Donald Trump — prompting concern that everyday staff and vendors won’t get paid amid reports the campaign is in debt by the same amount.Members of the defeated Harris team tell The Post that the concerts had a ruinous effect on the Democratic campaign’s coffers and that fact was no secret — with one planned performance by ’90s alt-rock goddess Alanis Morissette getting scrapped to save money.The seven swing-state concerts on election eve featured performances by Jon Bon Jovi in Detroit, Christina Aguilera in Las Vegas, Katy Perry in Pittsburgh and Lady Gaga in Philadelphia — with 2 Chainz joining Harris on Nov.2, three days before the election, for an eighth concert in Atlanta.Two sources said that Obama campaign alum Stephanie Cutter pushed the concert concept as a way to woo lower-propensity voters to the polls.While the performers donated their time and talent, the sets still required an immense commitment of manpower and financial resources.Cutter’s plan was supported by fellow Obama alum David Plouffe, one source said.Harris added Cutter and Plouffe to her campaign shortly after replacing President Biden atop the party’s ticket in July, generating internal tensions with the existing Biden campaign team as the newcomers sought to replay the 44th president’s successful 2008 campaign.Harris-Walz campaign chairwoman Jen O’Malley Dillon ultimately approved the get-out-the-vote concert plans, but has since told colleagues — in response to significant internal criticism — that she didn’t want to do them and sat on the idea for weeks, one source told The Post.If that was the case, another source pointed out, then O’Malley Dillon’s waffling led to increased production costs because “putting [concerts] together last minute makes [them] cost twic...